You have many choices when shopping for car insurance for your vehicle. You can get prices from an agent or price shop online to compare rates from companies. Finding cheaper car insurance by quoting online is simple to do, in addition you can save money.

Finding the best direct price on car insurance can be complicated if you have never used online rate quotes. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes and find the best price. By far the easiest way to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Car insurance premiums for your 1996 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the payout to repair can decrease annual premiums. Although newer models may have safety features included like lane departure warning system, anti-lock brakes, and adaptive headlights so those may lower rates.

Liability coverages

1996 liability coverage protects you from injuries or damage you cause to other's property or people that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision insurance

This pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.