You have lots of choices when shopping for insurance coverage for your vehicle. You can buy direct from your neighborhood insurance agent or get quotes online to check prices from insurance carriers. Shopping for auto insurance by getting online quotes 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 be discouraged because there is an easy way to compare rates. Getting better can be relatively painless. Just take time comparing rates online from several insurance companies. This is very easy and can be done by completing this short form.

What factors determine ?

Insurance rates on 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
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• 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. New vehicles have a higher replacement value so the costs to repair may result in higher rates. Conversely, newer vehicles may have options such as lane departure warning system, pedestrian detection, and tire pressure monitors which may give discounted rates.

Liability - This can cover damages or injuries you inflict on people or other 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 covers damage to your resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 1996 can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage pays to fix your vehicle from 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's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.