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 take the time to get as many rate quotes as possible so you can get every option.

If you're new to shopping for car insurance online, you may be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The quickest method to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine

Auto insurance rates for a 1996 can vary widely depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• How many miles you drive
• Male rates may be higher
• Low deductibles cost more
• 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 repair costs tend to be lower which may result in lower rates. On the flip side, newer vehicles may have a trim level with safety features like lane departure warning system, dual-stage airbags, and sideview assist mirrors which can give discounted rates.

Liability coverage

This coverage can cover injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage

Collision insurance covers damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from 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 payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.