You have lots of choices when buying insurance for your vehicle. You can buy direct from an agent or get quotes online to compare rates from many different companies. Finding cheaper auto insurance from online companies saves time, is easy to do and at the same time you can save money.

Finding the best direct price on auto insurance is challenging if you are a beginner to quoting online. But don't let that discourage you because it's actually quite easy. Finding lower is actually quite simple. You just have to spend a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors determine car insurance premiums?

Car insurance premiums for a 1996 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the costs to repair may end up costing you more. But newer vehicles may have safety features including lane departure warning system, dual-stage airbags, and pedestrian detection that may help lower rates.

Liability coverage - This can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage - This covers damage to your caused by collision with an object or car. You first must 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 older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.