Comparing auto insurance through online providers is easy and there is a good chance you will probably save money. The key is getting rates from as many companies as possible so you can get the lowest prices.

Beginners to shopping for insurance may think shopping for cut-rate 1996 insurance is hard and time consuming. Cutting your is surprisingly easy. Drivers just need to take a couple of minutes comparing rates from different insurance companies. This can be done by completing this short form.

Insurance rates for your 1996 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 1996
• No claims lowers premiums
• Having current coverage saves
• Whether you own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so repair costs are higher which may end up costing you more. On the flip side, newer vehicles may have options like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system that may help give discounted rates.

Liability auto insurance - Liability insurance can cover damage that occurs to other's property or people. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision - This coverage covers damage to your resulting from colliding with another car or object. 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 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.