Shopping for auto insurance from online rate quotes can be fast and easy, plus you can save money. The most important part is to compare rates from all providers in order to accurately compare every company's rates.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online companies offering insurance. Getting lower doesn't have to be difficult. The only thing you need to do is invest a little time getting comparison quotes provided by online insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance rates influenced by these things

Car insurance premiums paid to insure a 1995 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Where you reside can make a big difference
• Annual mileage can affect rates
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 1995
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the cost to replace them will push premiums up. But new models may have safety features including tire pressure monitors, anti-lock brakes, and forward-collision avoidance so those may help offset higher rates.

Liability insurance

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive protection

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.