You have lots of choices when attempting to insure your vehicle. You can either buy through an insurance agent or shop online to check prices from car insurance companies. Finding cheaper car insurance from online rate quotes is easy and at the same time you may find lower rates.

Consumers who are new to the process of comparison shopping may think purchasing cut-rate 1996 insurance is more work than they want to put in. The are a couple different ways to get quotes from different insurance companies. The fastest way to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What factors impact your insurance rates?

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

• The performance level of your 1996
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the payout to repair will push premiums down. Conversely, more recent vehicles have more advanced features such as forward-collision avoidance, adaptive cruise control, and lane departure warning system which can give discounted rates.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other's property or people that is your fault. 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.

Auto collision coverage

This will pay to fix damage to your resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from 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 the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.