There are many options when comparing insurance rates on your vehicle. You can get prices from an insurance agent or get quotes online to compare insurance costs of insurance providers. Finding cheaper auto insurance by comparing rates online saves time, is easy to do and there is a good chance you may find lower rates.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Insurance premiums on a 1995 can vary widely and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the costs to repair can inflate annual premiums. But more recent vehicles have more advanced features including forward-collision avoidance, adaptive cruise control, and active head restraints which can help offset higher rates.

Auto liability insurance - This will cover damage that occurs to people or other property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy higher limits if possible.

Collision coverages - This will pay to fix damage to your resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1995 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive insurance - This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.