Finding cheaper car insurance online saves time, is easy to do, in addition you can save money. The key to finding lower rates is to get rates from as many companies as possible so you can get the lowest priced insurance.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quoting. Don't let that stop you 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 competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine your insurance rates

Car insurance premiums for your 1996 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the payout to repair may end up costing you less. But newer vehicles may have safety features including adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection which may give discounted rates.

Liability coverage - This can cover injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage - This covers damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from 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 most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.