Buying auto insurance from online rate quotes saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can compare the lowest priced insurance.

Shopping online for auto insurance can be difficult if you are a beginner to online quotes. But don't let that discourage you because we're going to show you how. Getting better doesn't have to be difficult. Just take time to compare quotes online from several insurance companies. This can be accomplished by visiting this page.

Rates are impacted by these things

Insurance premiums for a 1996 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Male drivers pay higher rates
• Higher deductibles save money
• Crash test rating for your 1996
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so the costs to repair can inflate annual premiums. Conversely, new models have more advanced features such as a collision avoidance system, forward-collision avoidance, and active head restraints which can provide discounts that lower premiums.

Liability insurance - This provides protection from damage or injury you incur to other people or property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your 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 lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.