You have lots of choices when comparing insurance rates on your vehicle. You can buy from your neighborhood insurance agent or get quotes online to compare insurance costs of a lot of auto insurance companies. Comparing auto insurance through online companies saves time, is easy to do and at the same time you will probably save money.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes comparing rates online from several insurance companies. This can be done by getting a quick quote here.

What factors determine your insurance rates?

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

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Your age
• Being married may save money
• Special coverage such as replacement cost
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Models that are new have a higher value so the costs to repair can inflate annual premiums. But newer models may have options including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which can help offset higher rates.

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

Collision coverages - This coverage 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 vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured and underinsured coverage - This provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage 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.

Insurance for medical payments - Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be 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 may carry a deductible.