You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy from your neighborhood insurance agent or get quotes online to compare insurance costs of many different companies. Finding cheaper auto insurance from online companies saves time, is easy to do and at the same time you will probably save money.

Finding the best direct price on auto insurance is challenging if you are a beginner to quoting online. Don't let that stop you because there is an easy way to compare rates. Getting lower is actually quite simple. The only thing you need to do is invest a little time comparing rates online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine car insurance premiums?

Insurance rates for your 1996 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so the costs to repair may end up costing you more. But newer models may have options including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help help offset higher rates.

Liability coverage

This protects you from damages or injuries you inflict on other's property or people that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This pays for damage to your resulting from colliding with an object or car. You first must pay a deductible 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 vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage 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 highest amount 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 consider dropping full coverage.

Protection from uninsured/underinsured drivers

This provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.