There are many options when comparing insurance rates on your vehicle. You can buy direct from your neighborhood insurance agent or get quotes online to compare insurance costs of many different companies. Shopping for car insurance from online companies saves time, is easy to do and there is a good chance you will probably save money.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. One of the best ways to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Insurance rates for a 1996 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Extra coverages like towing and rental
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks cost less so repair costs tend to be lower which may end up costing you less. But more recent vehicles may have options including autonomous braking, dual-stage airbags, and sideview assist mirrors which may help offset higher rates.

Liability coverage - This will cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverages - Collision coverage will pay to fix damage to your caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. 1996 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.