Comparing car insurance through online rate quotes can be fast and easy, plus you can save money. The most important part is getting rates from all companies in order to accurately compare every possible rate.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of companies offering insurance. There are several ways to compare rate quotes from car insurance companies in your area. The best way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by these things

Car insurance premiums on a 1996 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your location impacts rates
• The number of annual miles
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 1996
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the cost to replace them may result in lower rates. But new models may have safety features including tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes that may help help offset higher rates.

Auto liability

This coverage provides protection from damage or injury you incur to people or other property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.