There are many options when buying insurance for your vehicle. You can either contact an agent or get quotes online to compare pricing from insurance providers. Shopping for car insurance by comparing rates online saves time, is easy to do and there is a good chance you can save money.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The recommended way to find the lowest consists of shopping online. This can be accomplished by visiting this page.

Car insurance premiums for your 1996 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so the payout to repair may end up costing you less. Conversely, newer vehicles may have safety features such as a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Auto liability insurance - This can cover damage that occurs to other's property or people by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as much as you can afford.

Collision coverage - Collision coverage covers damage to your resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.