Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy direct from a local agent or get quotes online to compare pricing from multiple companies. Comparing auto insurance online saves time, is easy to do, plus you might just save a little.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Getting better is not rocket science. Just take time to get quotes online from several insurance companies. This can be done by visiting this page.

Rates are determined by...

Auto insurance rates for a 1995 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the costs to repair can inflate annual premiums. Conversely, more recent vehicles may have a trim level with safety features such as adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection which can provide discounts that lower premiums.

Liability coverage - This 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. It is cheap coverage so consider buying higher limits if possible.

Collision coverage - 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 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 older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.