Finding cheaper auto insurance online saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to compare rates from as many companies as possible in order to have all your choices.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by the following

Auto insurance rates for your 1995 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• The size of your community
• High miles vs. low miles
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 1995
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the costs to repair will push premiums up. On the flip side, newer vehicles may have a trim level with safety features like lane departure warning system, traction control, and autonomous braking so those may lower rates.

Liability coverage

This can cover damage or injury you incur to other's property or people that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as much as you can afford.

Auto collision coverage

This covers damage to your resulting from colliding with a stationary object or other vehicle. 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 vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.