Buying car insurance from online companies can be fast and easy, in addition you might just save a little. The most important part is to compare rates from as many companies as possible so you can compare the lowest rate quotes.

If you're new to shopping for car insurance online, you may be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. By far the easiest way to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Auto insurance rates for your 1995 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the payout to repair may result in lower rates. On the flip side, more recent vehicles may have a trim level with safety features like active head restraints, adaptive headlights, a backup camera, and tire pressure monitors so those may provide discounts that lower premiums.

Liability coverage

This coverage will cover injuries or damage you cause to other's property or people in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to 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. Another option is to bump up the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.