Finding cheaper car insurance from online companies can be fast and easy, in addition you will probably save money. The most important part is to compare as many rate quotes as possible so you can compare all possible prices.

If you are a novice to online car insurance shopping, you may be confused by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find the lowest is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine

Insurance rates for a 1996 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a much lower replacement value so repair costs tend to be lower which may result in lower rates. But new models may have options including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive so those may provide discounts that lower premiums.

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.