Comparing car insurance through online providers saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to compare rates from all companies in order to have every possible rate.

Using the web to shop for car insurance direct is challenging if you are a beginner to online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to get quotes from local car insurance companies. The best way to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine the rate you pay?

Car insurance premiums on a 1996 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Your location impacts rates
• The number of annual miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the cost to replace them may end up costing you less. On the flip side, more recent vehicles may have safety features like autonomous braking, tire pressure monitors, and lane departure warning system so those may lower rates.

Liability auto insurance

This will cover damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as much as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1996 can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.