You have lots of choices when trying to find low-cost insurance for your vehicle. You can either contact a local agent or go online to check prices from insurance providers. Shopping for car insurance by comparing rates online can be fast and easy and at the same time you might just save a little.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The simplest method to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Auto insurance rates for your 1995 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 1995 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the payout to repair may result in lower rates. Conversely, newer models may have a trim level with safety features such as blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system so those may give discounted rates.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Coverage for collisions

Collision coverage pays for damage to your resulting from colliding with an object or car. You have to pay a 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 bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.