Comparing auto insurance through online providers can be fast and easy and at the same time you will probably save money. The most important part is to compare rates from all providers in order to have the best prices.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies competing for your business. Finding a better price on auto insurance is surprisingly easy. Consumers just need to spend a few minutes comparing rates provided by online insurance companies. This can be done by comparing rates here.

Which factors influence the rate you pay?

Insurance rates paid to insure a 1996 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Male rates may be higher
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Newer models have a higher value so the cost to replace them will push premiums up. But newer vehicles may have options including traction control, pedestrian detection, autonomous braking, and adaptive headlights so those may lower rates.

Liability auto insurance - This coverage can cover damages or injuries you inflict on a person or their property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverages - This coverage covers damage to your from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance - Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.