Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare insurance costs of multiple insurance companies. Shopping for auto insurance on the web is simple to do, plus you will probably save money.

Comparing auto insurance rates direct online can be difficult if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. Getting lower isn't really that difficult. The only thing you need to do is invest a little time comparing rates online with multiple companies. This is very easy and can be done by getting a quick quote here.

Car insurance rates influenced by the following

Insurance rates for a 1996 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Your birth date
• Being married may save money
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor that will help determine the rate you pay on your is the year of manufacture. Models that are new have a higher replacement value so the payout to repair may result in higher rates. But newer vehicles may have options including lane departure warning system, a telematics system, and a collision avoidance system which may help offset higher rates.

Liability car insurance

1996 liability coverage can cover damage or injury you incur to other people or property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. 1996 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.