Comparing auto insurance from online rate quotes is easy, in addition you can save money. The key is to compare rates from all providers in order to accurately compare all possible prices.

Beginners to comparing rates may think buying affordable 1996 insurance is more work than they want to put in. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time getting comparison quotes from different insurance companies. This can be done by getting a quick quote here.

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 drivers pay higher rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so repair costs are higher which will push premiums up. On the flip side, new models may have safety features like active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors so those may help offset higher rates.

Liability insurance

Liability insurance provides protection from 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 protection

This coverage pays to fix your vehicle from damage 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. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive protection

This covers 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 your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP is not universally available and may carry a deductible.