There are many options when insurance shopping for your vehicle. You can either contact an agent or go online to compare pricing from multiple insurance companies. Shopping for auto insurance on the web can be fast and easy and there is a good chance you can save money.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of online auto insurance companies and websites offering insurance. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Car insurance premiums for your 1996 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 1996 vehicles cost more
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Being married can lower rates
• Extra coverages like towing and rental
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the cost to replace them may result in higher rates. But new models may have safety features including pedestrian detection, active head restraints, and a backup camera which may provide discounts that lower premiums.

Liability car insurance - This coverage provides protection from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision - Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.