Drivers have lots of options when attempting to insure your vehicle. You can buy direct from an insurance agent or get quotes online to compare pricing from multiple companies. Buying auto insurance online saves time, is easy to do, plus you may find lower rates.

Shopping online for auto insurance can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be accomplished by visiting this page.

Rates are impacted by the following

Insurance premiums for a 1996 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so the costs to repair will push premiums up. But newer vehicles have more advanced features including lane departure warning system, traction control, and autonomous braking so those may provide discounts that lower premiums.

Liability coverage

This can cover damage or injury you incur to other people or property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1996 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.