Comparing auto insurance through online companies can be fast and easy, plus you can save money. The most important part is to get rates from all companies in order to accurately compare every possible rate.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of companies offering insurance. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This can be done by getting a quick quote here.

Rates are determined by...

Car insurance premiums on 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 location impacts rates
• The number of annual miles
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 1996
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the cost to replace them may result in higher rates. Conversely, more recent vehicles may have safety features such as a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which may help offset higher rates.

Coverage for liability

This coverage will cover damage or injury you incur to people or other property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage for your 1996 can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.