Comparing car insurance by comparing rates online can be fast and easy, plus you may find lower rates. The most important part is to get rates from as many companies as possible in order to have the cheapest rate quotes.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways to get quotes from different insurance companies. The recommended way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by...

Insurance premiums for your 1995 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 1995
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the payout to repair may result in lower rates. Conversely, more recent vehicles have more advanced features such as a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may lower rates.

Auto liability insurance - This coverage will cover damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies 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 lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The most your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.