Shopping for auto insurance by comparing rates online saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to take the time to get rates from all providers so you can compare the lowest rate quotes.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quotes. But relax because comparing prices is actually very simple. Lowering your can be quick and easy. You just need to take a few minutes to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Auto insurance rates paid to insure a 1996 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 1996
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, new models may have a trim level with safety features like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which can provide discounts that lower premiums.

Auto liability insurance

This provides protection from damage that occurs to a person or their property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is not universally available but can be used in place of medical payments coverage.