Drivers have lots of options when insurance shopping for your vehicle. You can either contact an agent or go online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes can be fast and easy, plus you can save money.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of online companies offering insurance. There are several ways to get quotes from car insurance companies in your area. The easiest way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by...

Car insurance premiums paid to insure a 1995 can vary widely depending on several factors. Including but not limited to:

• Higher performance 1995 vehicles cost more
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so the costs to repair may result in lower rates. But more recent vehicles may have safety features including a telematics system, all-wheel drive, and adaptive headlights which can lower rates.

Liability - This coverage will cover damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision - This will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM 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. 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 costs insurance - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.