You have lots of choices when trying to find low-cost insurance for your vehicle. You can get prices from an insurance agent or price shop online to compare rates from multiple insurance companies. Shopping for auto insurance on the web is simple to do and at the same time you may find lower rates.

Comparing auto insurance rates direct online is challenging if you have never used online rate quotes. But relax because we're going to show you how. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to compare quotes online with multiple companies. This is very easy and can be done by comparing rates here.

What influences the rate you pay?

Insurance premiums paid to insure a 1996 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Young drivers cost more
• Whether you are married
• Special coverage such as replacement cost
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the payout to repair will push premiums up. Although more recent vehicles have more advanced features included like lane departure warning system, a telematics system, and a collision avoidance system so those may lower rates.

Liability car insurance

1996 liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive auto insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.