Shopping for auto insurance from online rate quotes can be fast and easy and at the same time you might just save a little. The most important part is to compare rates from all providers in order to have the lowest priced insurance.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of online companies vying for your business. Getting better doesn't have to be difficult. Just take time to get quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Which factors influence the rate you pay?

Auto insurance rates paid to insure a 1995 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the cost to replace them will push premiums up. Although more recent vehicles may have a trim level with safety features included like a collision avoidance system, forward-collision avoidance, and active head restraints so those may lower rates.

Liability insurance - This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your from colliding with an object or car. You have to pay a deductible 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 protection - This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim 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 coverage - This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to cover expenses not covered by your health insurance plan 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.