Comparing auto insurance from online companies can be fast and easy and there is a good chance you might just save a little. The most important part is to take the time to get rates from all companies in order to accurately compare the lowest prices.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of companies vying for your business. Cutting your is actually quite simple. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

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

• A clean driving record keeps rates low
• Credit rating
• Male rates may be higher
• The deductible you choose
• Safety rating of your 1996
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them can inflate annual premiums. On the flip side, newer vehicles may have a trim level with safety features like anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which can help offset higher rates.

Liability coverage - This coverage can cover damage that occurs to people or other property. 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 - This coverage covers 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. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage - This coverage covers 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 your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

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). They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and may carry a deductible.