Comparing car insurance online is easy, plus you may find lower rates. The key is to compare as many rate quotes as possible in order to have the lowest rate quotes.

Beginners to buying insurance may think buying cheap 1996 insurance is very challenging. The are a couple different ways of comparing rates from different insurance companies. By far the easiest way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by the following

Insurance premiums for a 1996 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 1996
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so repair costs tend to be lower which will push premiums down. Conversely, newer vehicles have more advanced features such as pedestrian detection, dual-stage airbags, and blind-spot warning system so those may lower rates.

Liability coverage

Liability insurance can cover damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as much as you can afford.

Collision insurance

This coverage covers damage to your caused by collision with a stationary object or other vehicle. 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 lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.