You have lots of choices when shopping for insurance coverage for your vehicle. You can buy from a local agent or get quotes online to compare rates from car insurance companies. Buying auto insurance from online rate quotes saves time, is easy to do and at the same time you might just save a little.

Shopping online for auto insurance is challenging if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Getting better doesn't have to be difficult. Just take time to get quotes online from several insurance companies. This can be accomplished by comparing rates here.

What factors determine your insurance rates?

Auto insurance rates for a 1995 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• Use of your vehicle
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that helps determine is the model year. Newer models cost more in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, newer models may have a trim level with safety features like a collision avoidance system, forward-collision avoidance, and active head restraints which can lower rates.

Liability insurance - This protects you from damages or injuries you inflict on other people or property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision coverage - Collision insurance pays for damage to your caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 1995 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive protection - Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage - Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and gives slightly broader coverage than med pay.