Buying car insurance through online rate quotes 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 companies in order to have every company's rates.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The simplest method to compare is to get quotes online. This can be accomplished by comparing rates here.

Auto insurance rates on 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
• Where you live
• The number of annual miles
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 1995
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the cost to replace them may result in lower rates. But newer vehicles may have a trim level with safety features including a backup camera, lane departure warning system, and traction control which may lower rates.

Auto liability

This coverage can cover damage that occurs to people or other property in an accident. 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.

Coverage for collisions

Collision insurance covers damage to your resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage for your 1995 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for 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 it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.