You have lots of choices when trying to insure your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare pricing from companies. Shopping for auto insurance by quoting online saves time, is easy to do and at the same time you will probably save money.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quoting. But don't let that discourage you because there is an easy way to compare rates. Finding a lower price on 1996 insurance is a fairly straight forward process. You just have to take a little time comparing rates online from several insurance companies. This is very easy and can be done by visiting this page.

What factors determine ?

Insurance rates for a 1996 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Special coverage such as replacement cost
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. A newer vehicle have a higher replacement value so the costs to repair may result in higher rates. But new models may have options including traction control, active head restraints, a backup camera, and an advanced theft deterrent system which may provide discounts that lower premiums.

Liability coverages

This provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies 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 vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.