Comparing car insurance through online companies can be fast and easy and at the same time you will probably save money. The most important part is getting rates from as many companies as possible so you can get the lowest prices.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The easiest way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence car insurance premiums?

Insurance rates for your 1996 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the payout to repair may result in lower rates. Conversely, more recent vehicles may have options such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags that may help give discounted rates.

Coverage for liability - This coverage will cover damages or injuries you inflict on other's property or people. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision - This coverage will pay to fix damage to your resulting from colliding with an object or car. You first must pay a 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. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.