Buying car insurance through online providers is easy and there is a good chance you can save money. The key is to take the time to get rates from all companies in order to have the cheapest rate quotes.

People who are new to shopping for insurance may think purchasing low-cost 1996 insurance is hard and time consuming. There are several ways to compare rate quotes from car insurance companies in your area. The recommended way to compare is to get quotes online. This can be accomplished by comparing rates here.

Car insurance premiums on a 1996 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Safety rating of your 1996
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so the cost to replace them will push premiums down. But new models may have safety features including active head restraints, an advanced theft deterrent system, and lane departure warning system which can lower rates.

Liability auto insurance - Liability insurance provides protection from damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your 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 OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. 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.