Buying car insurance from online rate quotes is easy and at the same time you may find lower rates. The key is to take the time to get rates from all companies in order to accurately compare the lowest priced insurance.

People who are new to comparison shopping may think purchasing low-cost 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. The best method to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Insurance premiums on a 1996 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the cost to replace them will push premiums down. But new models have more advanced features including a collision avoidance system, forward-collision avoidance, and active head restraints which can help offset higher rates.

Liability insurance - Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 1996 can be pricey, 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 - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive 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 coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers 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 very important.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.