Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either contact an agent or price shop online to compare rates from car insurance companies. Finding cheaper auto insurance from online rate quotes is simple to do, plus you can save money.

Finding the best direct price on auto insurance can be difficult if you have never used online quotes. But relax because it's actually quite easy. Getting better doesn't have to be difficult. Just take time getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by these factors

Car insurance premiums paid to insure a 1996 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the payout to repair can inflate annual premiums. Conversely, newer models may have safety features such as a collision avoidance system, forward-collision avoidance, and active head restraints which can lower rates.

Liability insurance - 1996 liability coverage protects you from damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage - This pays for damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection - This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.