You have lots of choices when comparing insurance rates on your vehicle. You can get prices from an agent or go online to compare insurance costs of many different companies. Buying car insurance from online companies can be fast and easy and at the same time you can save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways to compare rate quotes from car insurance companies in your area. One of the best ways to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence the rate you pay?

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

• Higher performance 1995 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the payout to repair may result in lower rates. But new models may have safety features including autonomous braking, dual-stage airbags, and sideview assist mirrors so those may help offset higher rates.

Liability coverage - This coverage provides protection 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. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverages - Collision insurance 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. 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 and underinsured coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Since many 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 is very important.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for expenses such as 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.