You have many choices when attempting to insure your vehicle. You can buy direct from an agent or go online to compare pricing from multiple companies. Finding cheaper auto insurance online can be fast and easy, in addition you can save money.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of companies offering insurance. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine insurance rates

Car insurance premiums on a 1996 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 1996 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so the cost to replace them will push premiums up. Although newer vehicles may have safety features included like lane departure warning system, traction control, and autonomous braking so those may provide discounts that lower premiums.

Liability coverage

This coverage can cover injuries or damage you cause to people or other property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Auto collision coverage

This covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to 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 older vehicles. Another option is to raise the deductible in order to get cheaper .

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time 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

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.