Comparing car insurance through online providers is easy and at the same time you might just save a little. The key is to compare as many rate quotes as possible so you can get the lowest rate quotes.

Beginners to comparison shopping may think buying cheap 1996 insurance is hard and time consuming. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. By far the easiest way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Auto insurance rates for a 1996 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so repair costs tend to be lower which will push premiums down. But newer models may have a trim level with safety features including forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification so those may give discounted rates.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision insurance

This coverage pays for damage to your caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. 1996 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible 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 actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, 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

Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.