Buying auto insurance through online rate quotes is easy and there is a good chance you can save money. The key is to take the time to get rates from all providers in order to have all your choices.

People who are new to shopping for insurance may think purchasing affordable 1996 insurance is going to be difficult. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This can be accomplished by comparing rates here.

Car insurance premiums paid to insure a 1996 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Where you live
• Annual mileage can affect rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 1996
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so repair costs are higher which can inflate annual premiums. Conversely, newer models may have safety features such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can lower rates.

Auto liability

Liability insurance protects you from damage that occurs to a person or their property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.