Finding cheaper auto insurance by getting online quotes saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to get rates from as many companies as possible in order to accurately compare the lowest prices.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online quoting. Don't let that stop you because we're going to show you how. Cutting your can be relatively painless. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by the following

Insurance premiums for your 1996 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating impacts rates
• Male rates may be higher
• The deductible you choose
• Crash test rating for your 1996
• Whether or not you have claims
• Having current coverage saves
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the costs to repair may result in higher rates. On the flip side, newer vehicles have more advanced features like a telematics system, all-wheel drive, and adaptive headlights which may help offset higher rates.

Liability - This can cover damage or injury you incur to other's property or people that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Collision - This covers damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. PIP coverage is not an option in every state and may carry a deductible.