You have lots of choices when trying to find low-cost insurance for your vehicle. You can either buy through an agent or get quotes online to check prices from multiple insurance companies. Shopping for auto insurance on the web saves time, is easy to do and at the same time you can save money.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quoting. But don't be discouraged because it's actually quite easy. Getting lower isn't really that difficult. The only thing you need to do is invest a little time getting comparison quotes online from several insurance companies. This is very easy and can be done by completing this short form.

What factors determine ?

Car insurance premiums on a 1996 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your birth date
• Having a spouse can save money
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the costs to repair may result in higher rates. But newer vehicles may have safety features including lane departure warning system, a telematics system, and a collision avoidance system which may give discounted rates.

Liability car insurance

This can cover damages or injuries you inflict on people or other property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 1996 can be pricey, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.