Shopping for car insurance from online rate quotes can be fast and easy and at the same time you can save money. The most important part is to take the time to get as many rate quotes as possible so you can get the best prices.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies offering insurance. There are several ways to compare quotes from different insurance companies. One of the best ways to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

Which factors influence your insurance rates?

Car insurance premiums for a 1996 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• The level of coverage
• 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 repair costs tend to be lower which may result in lower rates. Conversely, newer models may have safety features such as a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system which can give discounted rates.

Liability insurance - This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverages - Collision coverage pays for damage to your caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.