Shopping for auto insurance on the web saves time, is easy to do, in addition you can save money. The key to finding lower rates is to get rates from as many companies as possible in order to accurately compare the lowest prices.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes getting comparison quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 1996 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the costs to repair may result in higher rates. But newer models may have safety features including pedestrian detection, active head restraints, and a backup camera which may help offset higher rates.

Liability car insurance - This protects you from injuries or damage you cause to other's property or people by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as high a limit as you can afford.

Collision - Collision coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This coverage provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses - Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.