You have lots of choices when buying insurance for your vehicle. You can buy direct from a local agent or go online to compare rates from many different auto insurance companies. Finding cheaper auto insurance through online rate quotes can be fast and easy and at the same time you might just save a little.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online companies vying for your business. Finding lower can be surprisingly simple. You just have to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Auto insurance rates paid to insure a 1995 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 1995 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Your birth date
• Whether you are married
• Special coverage such as replacement cost
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

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 cost to replace them may end up costing you more. Although newer vehicles may have a trim level with safety features included like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors that may help lower rates.

Auto liability - This coverage can cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This covers damage to your from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive auto coverage - This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.