There are many options when buying insurance for your vehicle. You can buy direct from a local agent or price shop online to compare rates from lots of different providers. Comparing auto insurance through online providers is simple to do and there is a good chance you might just save a little.

Using the web to shop for auto insurance direct can be a challenge if you have never used online quoting. But relax because comparing prices is actually very simple. Finding lower is surprisingly easy. You just have to spend a little time to get quotes online with multiple companies. This can be done by comparing rates here.

Auto insurance rates paid to insure a 1996 can fluctuate considerably subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Young drivers cost more
• Whether you are married
• Extra coverages like towing and rental
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that can impact is the model year. Newer models have a higher value in comparison to later models so the payout to repair may result in higher rates. Although more recent vehicles may have a trim level with safety features included like active head restraints, an advanced theft deterrent system, and lane departure warning system which may lower rates.

Liability auto insurance - 1996 liability coverage will cover damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive (Other than Collision) - This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.