You have lots of choices when trying to insure your vehicle. You can buy from a local agent or get quotes online to check prices from companies. Comparing car insurance by quoting online saves time, is easy to do and at the same time you might just save a little.

Using the web to shop for car insurance direct is challenging if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The quickest method to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine the rate you pay?

Auto insurance rates for a 1996 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may end up costing you less. Although newer vehicles may have a trim level with safety features included like traction control, active head restraints, a backup camera, and an advanced theft deterrent system so those may give discounted rates.

Liability coverages

This can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Collision coverage

This coverage covers damage to your caused by collision with an object or car. 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 vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.