You have lots of choices when insurance shopping for your vehicle. You can buy direct from an agent or get quotes online to compare pricing from multiple insurance companies. Buying car insurance on the web saves time, is easy to do and at the same time you can save money.

Shopping online for car insurance is challenging if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from car insurance companies in your area. The easiest way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Car insurance premiums for a 1996 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Your age
• Being married can lower rates
• Special coverage such as replacement cost
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so repair costs tend to be lower which may end up costing you less. But newer models may have safety features including pedestrian detection, active head restraints, and a backup camera so those may provide discounts that lower premiums.

Liability car insurance - This protects you from damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as much as you can afford.

Collision - Collision insurance pays for damage to your caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1996 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive car insurance - Comprehensive insurance will pay to fix 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 maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This gives you protection when the "other guys" do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses - Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.