You have many choices when trying to insure your vehicle. You can either contact your neighborhood insurance agent or go online to check prices from a lot of car insurance companies. Buying car insurance through online companies can be fast and easy, in addition you will probably save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. The quickest method to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Insurance rates on a 1996 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1996 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Your birth date
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Your profession
• Your coverage level
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so the cost to replace them may result in lower rates. On the flip side, newer vehicles may have options like a telematics system, adaptive cruise control, and traction control that may help give discounted rates.

Coverage for liability

This coverage can cover injuries or damage you cause to people or other property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage

Collision insurance covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1996 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.