Shopping for auto insurance from online companies can be fast and easy and at the same time you might just save a little. The most important part is to compare as many rate quotes as possible in order to have all possible prices.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of auto insurance companies vying for your business. Finding cheaper coverage prices is actually quite simple. All you need to do is take the time to get quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Which factors influence the rate you pay?

Auto insurance rates for 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
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the cost to replace them will push premiums up. Although newer vehicles may have a trim level with safety features included like forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive so those may lower rates.

Liability coverage

This coverage can cover damages or injuries you inflict on other people or property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision protection

Collision coverage covers damage to your caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. 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 or underinsured coverage

This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.