Comparing car insurance by comparing rates online is easy, in addition you might just save a little. The key is to get rates from all companies in order to have the lowest prices.

Beginners to comparing rates may think finding low-cost 1996 insurance is going to be difficult. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The easiest way to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Auto insurance rates on a 1996 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them will push premiums down. On the flip side, new models may have a trim level with safety features like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive which may lower rates.

Auto liability insurance - Liability insurance provides protection from injuries or damage you cause to people or other property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision - This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1996 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive insurance - This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used in conjunction with a health insurance program or if you lack health insurance entirely. PIP is not universally available and gives slightly broader coverage than med pay.