You have lots of choices when insurance shopping for your vehicle. You can either contact a local agent or price shop online to compare insurance costs of insurance carriers. Comparing car insurance by getting online quotes is simple to do and at the same time you might just save a little.

Using the web to shop for car insurance direct is challenging if you have never used online quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The easiest way to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What influences your insurance rates?

Auto insurance rates on a 1996 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the cost to replace them can decrease annual premiums. Conversely, newer models may have a trim level with safety features such as a telematics system, all-wheel drive, and adaptive headlights which can help offset higher rates.

Liability - 1996 liability coverage protects you from damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision - This coverage pays for damage to your resulting from a collision with an object or car. You will need to pay your 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 vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical costs insurance - Med pay and PIP coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and may carry a deductible.