You have lots of choices when looking for the best insurance on your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare insurance costs of insurance providers. Buying auto insurance by comparing rates online saves time, is easy to do and at the same time you will probably save money.

Shopping online for auto insurance is challenging if you are a beginner to online quotes. But relax because there is an easy way to compare rates. Reducing your can be quick and easy. All that's required is to spend a few minutes on the computer comparing rates online from several insurance companies. This can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Insurance rates paid to insure a 1996 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• How you use your vehicle
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Models that are new cost more so the costs to repair can inflate annual premiums. Conversely, more recent vehicles may have options such as a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors which can help offset higher rates.

Auto liability insurance

This will cover damages or injuries you inflict on a person or their property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, 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 bring the cost down.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive 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.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states and may carry a deductible.