Comparing auto insurance by quoting online can be fast and easy and at the same time you can save money. The most important part is to compare as many rate quotes as possible in order to have the cheapest rate quotes.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies offering insurance. Finding lower is a fairly straight forward process. You just have to spend a little time getting comparison quotes provided by online insurance companies. This can be done by comparing rates here.

Which factors influence the rate you pay?

Car insurance premiums for a 1996 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your claim history
• Having current coverage saves
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the cost to replace them will push premiums up. On the flip side, more recent vehicles may have safety features like tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control so those may lower rates.

Liability coverages - This coverage will cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage - This coverage will pay to fix damage to your caused by collision with an object or car. You have to pay a 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 coverages - Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.