Comparing auto insurance by getting online quotes is easy, plus you might just save a little. The key is to take the time to get rates from as many companies as possible so you can compare the best prices.

Beginners to buying insurance may think purchasing cut-rate 1996 insurance is nearly impossible. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be done by visiting this page.

Rates are determined by the following

Auto insurance rates for your 1996 can vary widely based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating
  • Male rates may be higher
  • Higher deductibles save money
  • Crash test rating for your 1996
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so repair costs are higher which can inflate annual premiums. On the flip side, newer vehicles may have a trim level with safety features like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which can provide discounts that lower premiums.

Liability - Liability insurance can cover damage or injury you incur to other's property or people. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverages - This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your 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 older. Another option is to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state but can be used in place of medical payments coverage.