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

Consumers who are new to the process of comparison shopping may think finding low-cost 1996 insurance is more work than they want to put in. There are several ways of comparing rates from different insurance companies. The easiest way 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 on a 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 use vs. commuting use
• Special coverage such as replacement cost
• Your occupation
• The level of coverage
• 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 cost to replace them will push premiums down. Conversely, newer vehicles may have safety features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which may lower rates.

Liability insurance - Liability insurance can cover damages or injuries you inflict on people or other property 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 - This covers damage to your resulting from a collision with an object or car. A deductible applies 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 bring the cost down.

Comprehensive protection - This 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 it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.