Finding cheaper car insurance by quoting online saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to compare as many rate quotes as possible so you can compare every possible rate.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The best way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Insurance rates for a 1996 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• The size of your community
• How many miles you drive
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 1996
• Your profession
• The amount of protection requested
• Whether you own your home

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 cost less so repair costs tend to be lower which may end up costing you less. But more recent vehicles may have options including dual-stage airbags, sideview assist mirrors, and active head restraints so those may provide discounts that lower premiums.

Liability coverages

This will cover damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as much as you can afford.

Collision coverage protection

This will pay to fix damage to your caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1996 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. 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.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.