Buying auto insurance through online rate 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 get rates from as many companies as possible in order to accurately compare all possible prices.

Shopping online for auto insurance is challenging if you are a beginner to online quoting. Don't let that stop you because comparing prices is actually very simple. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time to get quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

What factors determine ?

Auto insurance rates for your 1996 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the costs to repair may result in higher rates. But more recent vehicles may have a trim level with safety features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which may help offset higher rates.

Auto liability

This will cover damages or injuries you inflict on other's property or people in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as high a limit as you can afford.

Collision protection

Collision insurance will pay to fix damage to your resulting from colliding with an object or car. 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 vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage covers 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 most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This provides protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.