Buying auto insurance from online companies can be fast and easy, plus you can save money. The most important part is to take the time to get as many rate quotes as possible in order to have all your choices.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies offering insurance. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by these factors

Car insurance premiums for a 1996 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• How many miles you drive
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 1996
• Your claim history
• Having current coverage saves
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the cost to replace them can inflate annual premiums. On the flip side, newer models may have safety features like an advanced theft deterrent system, all-wheel drive, and traction control which can lower rates.

Liability coverage

This coverage protects you from damage or injury you incur to other people or property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.