Finding cheaper car insurance by getting online quotes is easy, plus you might just save a little. The key is to take the time to get rates from as many companies as possible so you can get the cheapest rate quotes.

Consumers who are new to the process of buying insurance may think purchasing cut-rate 1995 insurance is nearly impossible. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The recommended way to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by the following

Auto insurance rates for your 1995 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 1995
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the payout to repair will push premiums down. But newer vehicles may have a trim level with safety features including anti-lock brakes, adaptive headlights, and adaptive cruise control which can give discounted rates.

Liability - Liability insurance can cover damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage - This covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of 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 should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.