Comparing auto insurance by comparing rates online can be fast and easy, plus you will probably save money. The most important part is getting rates from as many companies as possible so you can get all your choices.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Getting cheaper insurance rates can be quick and easy. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these things

Insurance rates for your 1996 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your location impacts rates
• High miles vs. low miles
• Male drivers pay higher rates
• Low deductibles cost more
• Crash test rating for your 1996
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so the cost to replace them may end up costing you more. But new models may have options including a backup camera, dual-stage airbags, and an advanced theft deterrent system that may help give discounted rates.

Auto liability insurance

This coverage provides protection from damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as large an amount as possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.