Drivers have lots of options when looking for the best insurance on your vehicle. You can buy from an insurance agent or get quotes online to compare rates from a lot of car insurance companies. Comparing car insurance through online companies saves time, is easy to do, plus you may find lower rates.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes and find the best price. The best way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by...

Insurance premiums on a 1996 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Young drivers cost more
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your job
• Insurance coverage level
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the cost to replace them may end up costing you less. Although more recent vehicles have more advanced features included like a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which may lower rates.

Coverage for liability

This will cover damage or injury you incur to people or other property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 1996 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.