Buying car insurance through online companies saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to compare rates from as many companies as possible so you can get every possible rate.

Shopping online for car insurance is challenging if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare quotes from car insurance companies in your area. The best way to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine the rate you pay?

Insurance premiums for your 1995 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Where you live
• High miles vs. low miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the payout to repair may end up costing you less. But newer models have more advanced features including a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control so those may give discounted rates.

Coverage for liability

This protects you from damages or injuries you inflict on other's property or people in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision coverage protection

Collision insurance pays for damage to your resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.