Comparing auto insurance through online providers is easy, plus you can save money. The key is to take the time to get as many rate quotes as possible in order to have the best prices.

Beginners to buying insurance may think purchasing cheap 1995 insurance is hard and time consuming. Finding a better price on auto insurance is surprisingly easy. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be done by comparing rates here.

Rates are determined by...

Car insurance premiums for a 1995 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 1995
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so repair costs are higher which can inflate annual premiums. But more recent vehicles may have safety features including traction control, pedestrian detection, autonomous braking, and adaptive headlights which can lower rates.

Liability auto insurance - Liability insurance will cover damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverages - This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. 1995 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Because many people 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 is a good idea.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.