Drivers have lots of options when shopping for insurance coverage for your vehicle. You can get prices from an agent or price shop online to check prices from insurance carriers. Comparing car insurance by getting online quotes is simple to do, plus you can save money.

Using the web to shop for car insurance direct can be difficult if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways to get quotes and find the best price. The best method to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by...

Car insurance premiums for a 1996 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so repair costs tend to be lower which can decrease annual premiums. Although more recent vehicles may have safety features included like lane departure warning system, pedestrian detection, and tire pressure monitors so those may give discounted rates.

Liability - 1996 liability coverage will cover damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage - This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 1996 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. 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.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.