Drivers have lots of options when attempting to insure your vehicle. You can get prices from 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, plus you will probably save money.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The fastest way to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by...

Insurance rates paid to insure a 1996 can be significantly different depending on several factors. Including but not limited to:

• Higher performance 1996 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your profession
• The level of coverage
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a lower value so the costs to repair may result in lower rates. Conversely, more recent vehicles may have options such as pedestrian detection, a collision avoidance system, and adaptive headlights that may help give discounted rates.

Coverage for liability

This coverage will cover damage or injury you incur to a person or their property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, 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 bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.