Finding cheaper auto insurance by comparing rates online is easy and there is a good chance you might just save a little. The key is getting rates from as many companies as possible so you can get every option.

Consumers who are new to the process of shopping for insurance may think shopping for cut-rate 1996 insurance is going to be difficult. Finding a lower price on 1996 insurance can be quick and easy. You just have to take a little time to get quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates for your 1996 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• The size of your community
• High miles vs. low miles
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 1996
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so repair costs are higher which may end up costing you more. Although newer vehicles may have a trim level with safety features included like dual-stage airbags, a rollover prevention system, and lane departure warning system that may help give discounted rates.

Auto liability insurance

Liability insurance can cover damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage

This covers damage to your resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.