Finding cheaper auto insurance from online companies saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to have the lowest prices.

Finding the best direct price on auto insurance is challenging if you are a beginner to online quotes. But don't let that discourage you because we're going to show you how. Cutting your is actually quite simple. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors determine your insurance rates?

Insurance premiums for a 1995 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older models so the costs to repair can inflate annual premiums. But newer models have more advanced features including anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which can lower rates.

Liability coverage - This protects you from damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision - This pays for damage to your caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 1995 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability 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.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.