Shopping for car insurance on the web can be fast and easy and at the same time you might just save a little. The most important part is getting rates from all companies in order to have all your choices.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. The fastest way to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Auto insurance rates on a 1996 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you reside can make a big difference
• The number of annual miles
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. Although new models may have a trim level with safety features included like automatic crash notification, anti-lock brakes, and a backup camera that may help lower rates.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. 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 vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.