Shopping for car insurance from online rate quotes saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to compare rates from as many companies as possible so you can get the lowest priced insurance.

Comparing car insurance rates direct online can be difficult if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates from car insurance companies in your area. The best method to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by the following

Insurance premiums for your 1996 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 1996
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the payout to repair may end up costing you less. But newer vehicles have more advanced features including a collision avoidance system, forward-collision avoidance, and active head restraints so those may give discounted rates.

Liability insurance - This can cover damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible 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. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage - Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.