You have lots of choices when insurance shopping for your vehicle. You can buy from a local agent or shop online to compare insurance costs of insurance providers. Finding cheaper car insurance by comparing rates online is easy and at the same time you might just save a little.

Consumers who are new to the process of comparison shopping may think shopping for cut-rate 1996 insurance is going to be difficult. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The easiest way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact car insurance premiums?

Auto insurance rates for your 1996 can be significantly different based upon several criteria. Taken into consideration are:

• The performance level of your 1996
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the payout to repair will push premiums down. But more recent vehicles may have a trim level with safety features including automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive that may help help offset higher rates.

Auto liability insurance - Liability insurance will cover damages or injuries you inflict on other's property or people that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

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

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

UM/UIM Coverage - This provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

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