Drivers have lots of options when trying to insure your vehicle. You can either buy through an agent or get quotes online to check prices from many different auto insurance companies. Shopping for auto insurance through online rate quotes saves time, is easy to do, plus you can save money.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online rate quotes. But relax because it's actually quite easy. Finding a lower price on 1996 insurance can be surprisingly simple. You just have to take a little time getting comparison quotes online from several insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by the following

Car insurance premiums paid to insure a 1996 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Your birth date
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the costs to repair will push premiums up. But newer vehicles may have safety features including lane departure warning system, a telematics system, and adaptive headlights so those may give discounted rates.

Auto liability

This can cover damage or injury you incur to a person or their property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as much as you can afford.

Collision coverage

Collision coverage covers damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.