Buying car insurance by quoting online can be fast and easy, plus you might just save a little. The most important part is to get rates from as many companies as possible in order to accurately compare all possible prices.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The easiest way by far to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by these things

Auto insurance rates for your 1996 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 1996
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the payout to repair may result in lower rates. Conversely, new models may have a trim level with safety features such as automatic crash notification, blind-spot warning system, and an advanced theft deterrent system which may help offset higher rates.

Liability coverages

This coverage provides protection from damage or injury you incur to other's property or people in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies 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 older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most 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.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is not universally available and may carry a deductible.