You have many choices when trying to insure your vehicle. You can either buy through an insurance agent or price shop online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes is simple to do, in addition you may find lower rates.

Finding the best direct price on car insurance can be complicated if you have never used online rate quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The quickest method to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance premiums on a 1996 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Young drivers cost more
• Whether you are married
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so the cost to replace them can decrease annual premiums. But more recent vehicles have more advanced features including lane departure warning system, a telematics system, and adaptive headlights so those may lower rates.

Auto liability

1996 liability coverage will cover injuries or damage you cause to people or other property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage

This will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1996 can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.