Shopping for auto insurance online can be fast and easy and there is a good chance you might just save a little. The most important part is to get as many rate quotes as possible so you can compare every company's rates.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Getting lower is not rocket science. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Auto insurance rates for a 1996 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you reside can make a big difference
• How many miles you drive
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 1996
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the cost to replace them may result in higher rates. Conversely, new models may have a trim level with safety features such as a telematics system, adaptive cruise control, and anti-lock brakes which may provide discounts that lower premiums.

Liability coverage

This coverage provides protection from damage that occurs to other people or property 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 consider buying as high a limit as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. 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.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they 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. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.