There are many options when trying to insure your vehicle. You can buy from a local agent or go online to compare pricing from multiple companies. Finding cheaper auto insurance online can be fast and easy and there is a good chance you might just save a little.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of companies vying for your business. Finding a lower price on 1996 insurance is not rocket science. You just have to take a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

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

• Higher performance 1996 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so the cost to replace them will push premiums up. Although newer vehicles may have a trim level with safety features included like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors so those may provide discounts that lower premiums.

Liability coverage

This coverage can cover damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage

This covers damage to your resulting from a collision with another car or object. You have to pay a 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 in order to get cheaper .

Comprehensive 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 amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP 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 plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.