There are many options when looking for the best insurance on your vehicle. You can get prices from a local agent or get quotes online to compare insurance costs of a lot of auto insurance companies. Buying auto insurance through online companies saves time, is easy to do and there is a good chance you might just save a little.

Shopping online for auto insurance can be a challenge if you are a beginner to quoting online. Don't let that stop you because comparing prices is actually very simple. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer to get quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

Auto insurance rates for your 1996 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your age
• Being married may save money
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the costs to repair may end up costing you more. But newer models may have a trim level with safety features including a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control that may help help offset higher rates.

Coverage for liability

This protects you from damage that occurs to other's property or people in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage protection

Collision insurance pays for damage to your resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.