You have many choices when shopping for insurance coverage for your vehicle. You can either buy through an insurance agent or get quotes online to compare rates from multiple insurance companies. Shopping for car insurance on the web saves time, is easy to do, in addition you may find lower rates.

Comparing car insurance rates direct online can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways of comparing rates from different insurance companies. The best method to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 1996 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Your birth date
• Whether you are married
• Optional coverages like vehicle replacement
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new models so repair costs tend to be lower which may end up costing you less. Conversely, newer vehicles have more advanced features such as dual-stage airbags, a telematics system, and pedestrian detection so those may lower rates.

Liability car insurance - This can cover injuries or damage you cause to other people or property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. 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 lower value vehicles. You can also increase the deductible to bring the cost down.

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

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Coverage for medical payments and/or PIP kick in for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.