Finding cheaper auto insurance on the web saves time, is easy to do, plus you can save money. The key to finding lower rates is to take the time to get rates from all providers in order to have the lowest rate quotes.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online quotes. But relax because it's actually quite easy. Lowering your isn't really that difficult. You just need to take a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by the following

Car insurance premiums paid to insure a 1996 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 1996
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the costs to repair can inflate annual premiums. But newer vehicles may have safety features including a telematics system, blind-spot warning system, and sideview assist mirrors which can lower rates.

Liability car insurance

This can cover damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision insurance

This covers damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto insurance

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.