Finding cheaper car insurance through online rate quotes saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to take the time to get rates from all providers so you can get the lowest prices.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quotes. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The easiest way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Auto insurance rates paid to insure a 1998 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 1998
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the costs to repair may end up costing you less. On the flip side, more recent vehicles may have a trim level with safety features like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags which can give discounted rates.

Auto liability - This will cover damage that occurs to a person or their property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying higher limits if possible.

Collision - This will pay to fix damage to your from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive auto coverage - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.