You have lots of choices when shopping for insurance coverage for your vehicle. You can get prices from an insurance agent or get quotes online to check prices from multiple insurance companies. Comparing auto insurance on the web saves time, is easy to do and at the same time you may find lower rates.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. Getting better isn't really that difficult. Just take time to compare quotes online from several insurance companies. This can be done by completing this short form.

What factors determine the rate you pay?

Insurance premiums for your 1995 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Having a spouse can save money
• Special coverage such as replacement cost
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the costs to repair will push premiums up. On the flip side, new models have more advanced features like dual-stage airbags, a telematics system, and pedestrian detection so those may give discounted rates.

Liability car insurance - This provides protection from damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive auto insurance - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when other motorists either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.