Comparing car insurance online saves time, is easy to do, in addition you can save money. The key to finding lower rates is to compare rates from all companies so you can compare the cheapest rate quotes.

Using the web to shop for car insurance direct can be complicated if you are a beginner to online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The recommended way to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Car insurance premiums on a 1996 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so the cost to replace them may end up costing you less. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may provide discounts that lower premiums.

Liability coverage - This protects you from injuries or damage you cause to people or other property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Collision coverage - This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a 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 older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage - This coverage will pay to fix 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 maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.