Drivers have lots of options when looking for the best insurance on your vehicle. You can buy direct from a local agent or go online to compare insurance costs of insurance providers. Comparing auto insurance by comparing rates online can be fast and easy, plus you might just save a little.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies vying for your business. Reducing your can be quick and easy. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Rates are determined by the following

Auto insurance rates paid to insure a 1996 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 1996 vehicles cost more
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them may result in higher rates. Conversely, newer vehicles may have a trim level with safety features such as a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors which may help offset higher rates.

Auto liability insurance

This coverage can cover damage or injury you incur to a person or their 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 consider buying as high a limit as you can afford.

Collision coverage protection

This coverage covers 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 vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance

This covers 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 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 probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.