Drivers have lots of options when comparing insurance rates on your vehicle. You can buy from an agent or get quotes online to check prices from multiple companies. Finding cheaper auto insurance online saves time, is easy to do, plus you can save money.

Finding the best direct price on auto insurance can be difficult if you are a beginner to quoting online. Don't let that stop you because it's actually quite easy. Finding a better price on auto insurance is not rocket science. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by...

Car insurance premiums for your 1996 can be significantly different and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your claim history
• Having continuous coverage saves you money
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so the costs to repair may end up costing you more. Although more recent vehicles may have safety features included like dual-stage airbags, tire pressure monitors, and blind-spot warning system that may help give discounted rates.

Liability coverage - This will cover damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision coverages - This will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.