You have many choices when buying insurance for your vehicle. You can either buy through a local agent or shop online to compare pricing from multiple insurance companies. Shopping for auto insurance on the web is easy, in addition you might just save a little.

Consumers not familiar with comparing rates may think buying low-cost 1996 insurance is not very easy. Finding lower isn't really that difficult. You just have to spend a little time to get quotes from different insurance companies. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Auto insurance rates on a 1996 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 1996
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Young drivers cost more
• Being married can lower rates
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Having current coverage saves
• Owning a home can lower rates

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so repair costs are higher which will push premiums up. On the flip side, more recent vehicles may have a trim level with safety features like tire pressure monitors, active head restraints, and pedestrian detection so those may provide discounts that lower premiums.

Liability car insurance - Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 1996 can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive auto insurance - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP is only offered in select states but can be used in place of medical payments coverage.