Buying car insurance from online rate quotes is simple to do and there is a good chance you can save money. The critical component is getting rates from all companies in order to accurately compare the lowest priced insurance.

Shopping online for car insurance can be a challenge if you have never used quoting online. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. The best method to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums on a 1996 can be significantly different subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Better credit means lower rates
• Male rates may be higher
• The deductible you choose
• Safety rating of your 1996
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so the cost to replace them can decrease annual premiums. But newer vehicles may have safety features including a collision avoidance system, forward-collision avoidance, and active head restraints that may help help offset higher rates.

Liability insurance - 1996 liability coverage can cover damage that occurs to people or other property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Collision coverage - Collision insurance covers damage to your resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1996 can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive protection - This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.