Comparing car insurance by getting online quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to take the time to get rates from all companies so you can get the lowest priced insurance.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The best method to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine your insurance rates?

Auto insurance rates on a 1996 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• Your coverage level
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the cost to replace them may end up costing you less. On the flip side, newer models may have a trim level with safety features like lane departure warning system, pedestrian detection, and tire pressure monitors which can give discounted rates.

Liability - This protects you from damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision coverage - This coverage pays for damage to your resulting from a collision with an object or car. You will need to pay your 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 vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when other motorists do not carry enough liability coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance - Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.