Shopping for auto insurance through online companies is simple to do and there is a good chance you may find lower rates. The critical component is to take the time to get as many rate quotes as possible so you can get the lowest prices.

Comparing auto insurance rates direct online can be a challenge if you have never used online quotes. But don't let that discourage you because we're going to show you how. Cutting your is not a difficult process. Drivers just need to take a couple of minutes to compare quotes online with multiple companies. This is very easy and can be done by completing this short form.

Insurance premiums for a 1996 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 1996
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the payout to repair can inflate annual premiums. But new models have more advanced features including a rollover prevention system, forward-collision avoidance, and dual-stage airbags which can give discounted rates.

Coverage for liability - 1996 liability coverage provides protection from damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision - Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 1996 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.