Finding cheaper car insurance through online rate quotes saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to compare rates from all companies in order to have every option.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare rate quotes and find the best price. The quickest method to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Car insurance premiums on a 1996 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• The size of your community
• The number of annual miles
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Safety rating of your 1996
• Your occupation
• Insurance coverage level
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so the cost to replace them may end up costing you less. Although new models may have safety features included like lane departure warning system, a telematics system, and adaptive headlights so those may lower rates.

Auto liability

This provides protection from damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as much as you can afford.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1996 can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP coverage is not universally available and gives slightly broader coverage than med pay.