You have lots of choices when trying to find low-cost insurance for your vehicle. You can get prices from your neighborhood insurance agent or shop online to check prices from insurance carriers. Shopping for auto insurance by getting online quotes is easy and at the same time you will probably save money.

Consumers not familiar with comparison shopping may think buying cut-rate 1996 insurance is nearly impossible. Getting lower can be relatively painless. The only thing you need to do is invest a little time comparing rates from different insurance companies. This is very easy and can be done by completing this short form.

What factors impact the rate you pay?

Insurance rates for your 1996 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 1996
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so repair costs are higher which will push premiums up. Conversely, newer vehicles may have options such as anti-lock brakes, adaptive cruise control, and autonomous braking so those may give discounted rates.

Liability

Liability insurance can cover damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Coverage for collisions

Collision coverage covers damage to your resulting from colliding with an object or car. You have to 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.