You have many choices when shopping for car insurance for your vehicle. You can either buy through a local agent or go online to compare rates from companies. Buying auto insurance by quoting online can be fast and easy, in addition you might just save a little.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies vying for your business. Lowering your is a fairly straight forward process. You just need to take a few minutes to get quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 1995 can fluctuate considerably depending on several factors. A few of these criteria are:

• Higher performance 1995 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

A final factor that helps determine is the model year. Newer models cost more in comparison to later models so the cost to replace them may result in higher rates. Although more recent vehicles may have a trim level with safety features included like lane departure warning system, anti-lock brakes, and adaptive headlights which may lower rates.

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. 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. You can also bump up the deductible in order to get cheaper .

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.