You have many choices when insurance shopping for your vehicle. You can get prices from a local agent or go online to check prices from many different car insurance companies. Comparing car insurance through online rate quotes can be fast and easy, in addition you might just save a little.

If you've never shopped for car insurance online, you may be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The easiest way to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on a 1996 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1996 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your birth date
• Having a spouse can save money
• Optional coverages like vehicle replacement
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them may result in lower rates. Although newer vehicles may have a trim level with safety features included like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help give discounted rates.

Auto liability - This coverage can cover injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - This coverage covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a 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. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive auto coverage - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage 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, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.