Buying auto insurance by comparing rates online can be fast and easy, plus you may find lower rates. The most important part is to get rates from all providers in order to have the lowest priced insurance.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of online companies selling insurance. Getting better can be quick and easy. Just take time to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by these factors

Insurance premiums paid to insure a 1996 can fluctuate considerably depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your 1996
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the cost to replace them may result in higher rates. Although newer models have more advanced features included like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which may lower rates.

Auto liability insurance - This coverage protects you from damage or injury you incur to a person or their property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverage - Collision insurance pays for damage to your from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive insurance - This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The most your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.