Comparing auto insurance by comparing rates online saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to compare rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. Finding lower can be quick and easy. You just have to spend a little time to get quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined by the following

Auto insurance rates 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
• The deductible you choose
• Crash test rating for your 1996
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the costs to repair will push premiums up. On the flip side, newer vehicles may have a trim level with safety features like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may help offset higher rates.

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

Collision coverage - This 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 vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state and may carry a deductible.