Finding cheaper car insurance from online rate quotes can be fast and easy and there is a good chance you might just save a little. The most important part is getting rates from as many companies as possible in order to have the cheapest rate quotes.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The recommended way to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Auto insurance rates for your 1995 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 1995
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the payout to repair may result in lower rates. Conversely, newer models may have a trim level with safety features such as adaptive cruise control, anti-lock brakes, and active head restraints that may help lower rates.

Liability insurance - This coverage protects you from damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This pays for damage to your resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.