You have many choices when trying to insure your vehicle. You can get prices from your neighborhood insurance agent or go online to compare insurance costs of multiple companies. Buying car insurance online can be fast and easy, in addition you will probably save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. The quickest method to find the cheapest is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Insurance rates for a 1996 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 1996 vehicles cost more
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your profession
• Your coverage level
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so repair costs tend to be lower which may result in lower rates. On the flip side, newer vehicles may have options like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors so those may help offset higher rates.

Liability coverage

This coverage can cover injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage

Collision insurance covers damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount a car insurance company will pay at claim time 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.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and may carry a deductible.