Buying car insurance by getting online quotes can be fast and easy and there is a good chance you can save money. The most important part is to take the time to get as many rate quotes as possible in order to accurately compare the lowest rate quotes.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to get quotes from different insurance companies. By far the easiest way to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums for a 1996 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 1996
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so repair costs tend to be lower which may result in lower rates. Conversely, more recent vehicles may have safety features such as adaptive headlights, blind-spot warning system, and a rollover prevention system which can help offset higher rates.

Liability

This coverage will cover damage that occurs to other people or property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision insurance

Collision insurance will pay to fix damage to your caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.