You have many choices when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or go online to compare pricing from multiple insurance companies. Shopping for auto insurance on the web can be fast and easy, in addition you may find lower rates.

If shopping for auto insurance online is new to you, you may be confused by the hoards of companies selling insurance. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes to compare quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Insurance premiums on a 1996 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 1996 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your age
• Being married can lower rates
• Optional coverages like vehicle replacement
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. A newer vehicle have a higher replacement value compared to older models so the cost to replace them will push premiums up. Conversely, newer models have more advanced features such as a telematics system, lane departure warning system, and tire pressure monitors so those may provide discounts that lower premiums.

Liability car insurance - This coverage protects you from injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverages - Collision coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 1996 can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto insurance - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage - This coverage gives you protection from other drivers when they do not carry enough liability coverage. 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.

Coverage for medical expenses - Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.