Comparing car insurance through online providers saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to take the time to get rates from all companies in order to accurately compare the lowest rate quotes.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. By far the easiest way to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Auto insurance rates on a 1996 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the cost to replace them may end up costing you less. Conversely, newer vehicles may have a trim level with safety features such as forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which can help offset higher rates.

Liability auto insurance

This can cover damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision insurance

This coverage covers damage to your resulting from a collision with an object or car. You will need to pay your 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 vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim 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 (UM/UIM)

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.