Buying auto insurance from online rate quotes can be fast and easy, in addition you might just save a little. The most important part is to take the time to get rates from as many companies as possible so you can get every possible rate.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online auto insurance companies and websites vying for your business. Reducing your doesn't have to be difficult. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Criteria which help determine your insurance rates

Auto insurance rates for your 1995 can vary widely depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• High miles vs. low miles
• Male drivers pay higher rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the cost to replace them can inflate annual premiums. But new models may have a trim level with safety features including an advanced theft deterrent system, forward-collision avoidance, and a backup camera which can give discounted rates.

Liability insurance

This coverage provides protection from injuries or damage you cause to other's property or people in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.