You have many choices when buying insurance for your vehicle. You can either contact an agent or go online to compare insurance costs of companies. Buying car insurance by quoting online can be fast and easy, in addition you can save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of car insurance companies offering insurance. There are several ways of comparing rates from car insurance companies in your area. The recommended way 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

Car insurance premiums for a 1996 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 1996 vehicles cost more
• Any accidents you may have
• Multiple policies can save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Older models have a much lower replacement value than newer models so repair costs tend to be lower which may result in lower rates. But newer vehicles may have safety features including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can help offset higher rates.

Liability coverages - This coverage can cover injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverage - Collision insurance covers damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. 1996 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout 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/Underinsured Motorist coverage - This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments - Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.