There are many options when insurance shopping for your vehicle. You can buy from an insurance agent or get quotes online to check prices from car insurance companies. Shopping for car insurance from online rate quotes saves time, is easy to do and there is a good chance you may find lower rates.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quoting. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The easiest way to find competitive consists of shopping online. This can be accomplished by completing this short form.

Insurance premiums for your 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
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks cost less compared to new models so the payout to repair may end up costing you less. Conversely, more recent vehicles have more advanced features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which may give discounted rates.

Liability insurance - This will cover damage that occurs to other's property or people 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 buy as high a limit as you can afford.

Collision - Collision coverage will pay to fix damage to your resulting from colliding with another car or object. A deductible applies 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 lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance program or if you do not have health coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.