Comparing auto insurance by quoting online is easy, plus you can save money. The key is to take the time to get rates from all companies so you can get all your choices.

Beginners to buying insurance may think purchasing low-cost 1996 insurance is hard. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This can be done by completing this short form.

Rates are determined by the following

Car insurance premiums on a 1996 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Your location impacts rates
• The number of annual miles
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 1996
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

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 can inflate annual premiums. But newer vehicles may have safety features including adaptive headlights, anti-lock brakes, traction control, and a telematics system which can give discounted rates.

Liability coverages

Liability insurance can cover damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Auto collision coverage

This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 1996 can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages

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

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist 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 doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy 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.