You have lots of choices when shopping for insurance coverage for your vehicle. You can get prices from an agent or shop online to compare rates from a lot of car insurance companies. Finding cheaper car insurance through online companies is easy and at the same time you can save money.

Consumers who are new to the process of comparison shopping may think finding cut-rate 1996 insurance is difficult. There are several ways to compare quotes and find the best price. The best method to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What factors impact ?

Car insurance premiums for your 1996 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 1996
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your age
• Whether you are married
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the payout to repair will push premiums down. Although newer models may have safety features included like tire pressure monitors, traction control, and adaptive cruise control which may lower rates.

Coverage for liability - Liability insurance protects you from damages or injuries you inflict on other's property or people that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage - This pays for damage to your resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments - Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.