Finding cheaper auto insurance from online companies can be fast and easy, plus you will probably save money. The most important part is to take the time to get rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Finding lower is actually quite simple. You just have to spend a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by these things

Insurance rates for your 1996 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 1996
• No claims lowers premiums
• Having continuous coverage saves you money
• Home ownership saves money

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so the cost to replace them can inflate annual premiums. Although new models may have options included like lane departure warning system, dual-stage airbags, and pedestrian detection which can help offset higher rates.

Liability coverage - This coverage provides protection from damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout your auto 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.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and may carry a deductible.