Finding cheaper auto insurance through online providers can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from all providers so you can get all your choices.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online companies vying for your business. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates paid to insure a 1995 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• The size of your community
• Annual mileage can affect rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 1995
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the cost to replace them may result in higher rates. But more recent vehicles may have a trim level with safety features including active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control which may give discounted rates.

Liability auto insurance

This coverage will cover damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Auto collision coverage

This will pay to fix damage to your from colliding with another car or object. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.