Comparing car insurance by getting online quotes is easy and at the same time you may find lower rates. The key is to get rates from all providers so you can get the lowest priced insurance.

Beginners to comparison shopping may think finding affordable 1996 insurance is nearly impossible. The are a couple different ways of comparing rates from different insurance companies. The best method to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact ?

Insurance premiums paid to insure a 1996 can fluctuate considerably based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• Your vehicle's safety rating
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new models so the costs to repair will push premiums down. Conversely, newer vehicles have more advanced features such as lane departure warning system, pedestrian detection, and tire pressure monitors which may give discounted rates.

Liability - Liability insurance can cover damages or injuries you inflict on a person or their property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage - This coverage covers damage to your from colliding with an object or car. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - This 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 most you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.