Comparing auto insurance by comparing rates online saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to compare as many rate quotes as possible in order to accurately compare the lowest rate quotes.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Lowering your can be quick and easy. You just need to take a few minutes comparing rates online from several insurance companies. This can be done by getting a quick quote here.

Insurance rates for a 1996 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• The deductible you choose
• Safety rating of your 1996
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Models that are new have a higher value so the costs to repair will push premiums up. But newer vehicles may have options including a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system so those may help offset higher rates.

Auto liability insurance

This can cover damage that occurs to other people or property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage covers damage to your caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1996 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.