Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through your neighborhood insurance agent or shop online to compare pricing from multiple companies. Buying car insurance online is easy, plus you will probably save money.

People who are new to buying insurance may think finding cheap 1996 insurance is very challenging. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. By far the easiest way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by...

Insurance rates for a 1996 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 1996
• Accidents raise premiums
• Multiple policies can save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a lower value so repair costs tend to be lower which will push premiums down. But more recent vehicles may have options including pedestrian detection, dual-stage airbags, and blind-spot warning system which may provide discounts that lower premiums.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. 1996 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.