Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can buy direct from a local agent or go online to compare pricing from multiple insurance companies. Shopping for auto insurance on the web can be fast and easy, plus you might just save a little.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of companies vying for your business. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by these things

Auto insurance rates on a 1996 can vary widely depending on several factors. Including but not limited to:

• Higher performance 1996 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Mature drivers pay less
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

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 the cost to replace them can inflate annual premiums. Conversely, new models may have a trim level with safety features such as lane departure warning system, a telematics system, and a collision avoidance system which can provide discounts that lower premiums.

Liability car insurance

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 1996 can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto insurance

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.