Finding cheaper car insurance on the web is simple to do and at the same time you might just save a little. The critical component is to take the time to get rates from as many companies as possible so you can get the lowest priced insurance.

Finding the best direct price on car insurance is challenging if you have never used online quotes. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The best method to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What influences your insurance rates?

Auto insurance rates for your 1996 can vary widely subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating
• Male rates may be higher
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the payout to repair can decrease annual premiums. Although newer vehicles may have a trim level with safety features included like dual-stage airbags, a telematics system, and pedestrian detection which can give discounted rates.

Liability car insurance - 1996 liability coverage can cover damages or injuries you inflict on other's property or people that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision coverage - This covers damage to your resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive car insurance - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Coverage for medical payments and/or PIP reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.