You have lots of choices when buying insurance for your vehicle. You can either contact a local agent or price shop online to compare insurance costs of multiple companies. Shopping for auto insurance online is simple to do and at the same time you might just save a little.

Comparing auto insurance rates direct online is challenging if you have never used online quotes. Don't let that stop you because comparing prices is actually very simple. Finding lower is not rocket science. You just have to spend a little time to get quotes online with multiple companies. This is very easy and can be done by getting a quick quote here.

What influences your insurance rates?

Auto insurance rates for your 1996 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that will help determine is the model year. Models that are new have a higher replacement value in comparison to later models so the payout to repair can inflate annual premiums. Although newer vehicles may have a trim level with safety features included like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which can help offset higher rates.

Liability coverage - 1996 liability coverage can cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision coverage - Collision coverage covers damage to your resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state and may carry a deductible.