There are many options when buying insurance for your vehicle. You can buy direct from an agent or shop online to check prices from many different auto insurance companies. Finding cheaper auto insurance through online rate quotes is easy and there is a good chance you can save money.

Consumers who are new to the process of shopping for insurance may think shopping for cut-rate 1996 insurance is going to be difficult. Finding lower can be surprisingly simple. You just have to spend a little time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Car insurance premiums for your 1996 can be significantly different based upon several criteria. Some of these factors include:

  • The performance level of your 1996
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Your age
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • Your claim history
  • No coverage lapses saves money
  • Whether you own your home

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so repair costs are higher which may end up costing you more. Conversely, newer models may have safety features such as dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors that may help give discounted rates.

Auto liability - Liability insurance protects you from damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage - This pays for damage to your resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from 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 highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

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 utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.