Comparing auto insurance from online companies is easy, in addition you can save money. The key is to compare rates from all providers so you can get the lowest rate quotes.

Beginners to comparing rates may think buying affordable 1996 insurance can be quite difficult. Lowering your is actually quite simple. You just need to take a few minutes getting comparison quotes from different insurance companies. This can be done by completing this short form.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 1996 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so repair costs are higher which will push premiums up. But newer vehicles may have safety features including active head restraints, adaptive headlights, a backup camera, and tire pressure monitors so those may give discounted rates.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision insurance

This coverage covers damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Because many people 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 a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.