There are many options when attempting to insure your vehicle. You can either buy through a local agent or go online to compare pricing from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy and there is a good chance you might just save a little.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of companies vying for your business. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This can be done by visiting this page.

Auto insurance rates on a 1996 can be significantly different depending on several factors. Some of these factors include:

• Higher performance 1996 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your birth date
• Being married can lower rates
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the cost to replace them may end up costing you more. But newer vehicles may have a trim level with safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights that may help provide discounts that lower premiums.

Auto liability

This coverage can cover damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Auto collision coverage

This coverage covers damage to your resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1996 can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage 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 highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.