Buying car insurance on the web can be fast and easy, plus you might just save a little. The most important part is getting rates from all companies in order to accurately compare the lowest priced insurance.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The best method 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 on a 1996 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 1996
• What you do for a living
• The amount of protection requested
• 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 cost to replace them may result in lower rates. But new models may have a trim level with safety features including dual-stage airbags, a telematics system, and pedestrian detection that may help help offset higher rates.

Liability car insurance - This coverage provides protection from damage or injury you incur to people or other property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1996 can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive car insurance - This 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 highest amount 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/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.