You have many choices when finding cheaper insurance coverage on your vehicle. You can either contact a local agent or shop online to compare insurance costs of insurance providers. Finding cheaper car insurance by comparing rates online is easy, in addition you might just save a little.

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

Criteria which help determine your insurance rates

Auto insurance rates for your 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, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor which can affect is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. But new models may have a trim level with safety features including adaptive cruise control, lane departure warning system, and pedestrian detection that may help help offset higher rates.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other's property or people 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 consider buying as large an amount as possible.

Collision protection

This pays to fix your vehicle from damage resulting from colliding 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 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 caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage provides protection when the "other guys" either have no liability insurance or not enough. 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)

Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.