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

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of companies vying for your business. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes to get quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Auto insurance rates on a 1996 can vary widely depending on several factors. Some of these factors include:

• Higher performance 1996 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Young drivers cost more
• Being married can lower rates
• Extra coverages like towing and rental
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

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. On the flip side, more recent vehicles may have a trim level with safety features like autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which can provide discounts that lower premiums.

Auto liability - This coverage will cover damage that occurs to people or other property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverages - Collision coverage will pay to fix damage to your resulting from a collision with another car or object. You will need to pay your 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 get cheaper .

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 maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection when other motorists are uninsured or don't have enough coverage. 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. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage 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 you lack health insurance entirely. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.