Buying auto insurance on the web saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is getting as many rate quotes as possible so you can compare the lowest priced insurance.

Shopping online for auto insurance can be complicated if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Getting better isn't really that difficult. Just take time to get quotes online from several insurance companies. This can be accomplished by visiting this page.

Criteria which help determine

Auto insurance rates for a 1996 can be significantly different and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor that helps determine is the model year. A newer vehicle cost more in comparison to later models so the costs to repair may end up costing you more. Conversely, newer models may have a trim level with safety features such as dual-stage airbags, a telematics system, and pedestrian detection that may help provide discounts that lower premiums.

Liability car insurance - This protects you from injuries or damage you cause to other people or property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage - Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. 1996 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical expenses - Med pay and PIP coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.