Buying car insurance online saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to get rates from all companies so you can compare all your choices.

Shopping online for car insurance is challenging if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The fastest way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine ?

Auto insurance rates on a 1996 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Where you live
• The number of annual miles
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the cost to replace them may end up costing you less. But newer vehicles may have a trim level with safety features including lane departure warning system, traction control, and autonomous braking which may provide discounts that lower premiums.

Liability coverage

This can cover damages or injuries you inflict on people or other property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 1996 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.