Shopping for car insurance on the web saves time, is easy to do and at the same time you can save money. The key to finding lower rates is getting rates from all companies so you can compare the lowest prices.

Comparing car insurance rates direct online is challenging if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. There are several ways to compare quotes and find the best price. The easiest way to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine car insurance premiums?

Car insurance premiums on a 1996 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the cost to replace them may end up costing you less. Although newer models may have safety features included like pedestrian detection, active head restraints, and a backup camera that may help provide discounts that lower premiums.

Liability car insurance - This protects you from damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as large an amount as possible.

Collision - Collision coverage pays for damage to your resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1996 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper .

Comprehensive car insurance - This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This gives you protection from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states but can be used in place of medical payments coverage.