Shopping for auto insurance through online rate quotes can be fast and easy, plus you may find lower rates. The most important part is getting rates from all providers in order to have every company's rates.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online companies selling insurance. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by the following

Insurance premiums paid to insure a 1995 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you reside can make a big difference
• Annual mileage can affect rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 1995
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the cost to replace them may end up costing you more. But newer vehicles have more advanced features including a backup camera, lane departure warning system, and traction control that may help lower rates.

Auto liability

This coverage can cover damage or injury you incur to a person or their property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as large an amount as possible.

Coverage for collisions

Collision coverage covers damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.