You have many choices when comparing insurance rates on your vehicle. You can either contact an agent or shop online to compare rates from lots of different providers. Finding cheaper car insurance through online providers is easy, in addition you can save money.

Consumers who are new to the process of comparing rates may think shopping for low-cost 1996 insurance is hard and time consuming. There are several ways to compare rate quotes from car insurance companies in your area. One of the best ways to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Car insurance premiums on a 1996 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 1996
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Mature drivers pay less
• Whether you are married
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the cost to replace them will push premiums down. But new models may have safety features including traction control, pedestrian detection, autonomous braking, and adaptive headlights that may help lower rates.

Liability auto insurance - Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverages - This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 1996 can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.