You have many choices when attempting to insure your vehicle. You can either contact a local agent or go online to compare pricing from car insurance companies. Shopping for auto insurance from online rate quotes can be fast and easy, in addition you might just save a little.

If shopping for auto insurance online is new to you, you may be confused by the hoards of auto insurance companies vying for your business. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Criteria which help determine

Auto insurance rates for a 1996 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 1996 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the cost to replace them can inflate annual premiums. But new models may have a trim level with safety features including forward-collision avoidance, adaptive cruise control, and lane departure warning system which can provide discounts that lower premiums.

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, 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 protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.