Comparing car insurance from online rate quotes is easy and there is a good chance you may find lower rates. The key is to take the time to get rates from as many companies as possible in order to accurately compare the lowest rate quotes.

Beginners to shopping for insurance may think purchasing cut-rate 1996 insurance is more work than they want to put in. The are a couple different ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Insurance premiums for your 1996 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Safety rating of your 1996
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the payout to repair will push premiums down. But new models have more advanced features including pedestrian detection, tire pressure monitors, and autonomous braking which can help offset higher rates.

Liability insurance

Liability insurance provides protection from damage that occurs to other's property or people. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.