Comparing car insurance through online companies can be fast and easy, plus you may find lower rates. The most important part is getting rates from all companies in order to accurately compare every company's rates.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of companies selling insurance. The are a couple different ways to get quotes from car insurance companies in your area. The simplest method to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Insurance premiums on a 1996 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your location impacts rates
• The number of annual miles
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 1996
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the cost to replace them may result in lower rates. But more recent vehicles have more advanced features including adaptive cruise control, autonomous braking, and lane departure warning system that may help help offset higher rates.

Coverage for liability

This coverage will cover damage or injury you incur to people or other property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as large an amount as possible.

Coverage for collisions

This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1996 can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.