Finding cheaper auto insurance by comparing rates online can be fast and easy and at the same time you may find lower rates. The most important part is to compare rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Finding lower can be quick and easy. You just have to spend a little time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence the rate you pay?

Insurance premiums for your 1995 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the cost to replace them will push premiums up. But new models have more advanced features including a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may help offset higher rates.

Auto liability insurance - This coverage provides protection from damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage - This pays to fix your vehicle from damage 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 lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.