You have many choices when attempting to insure your vehicle. You can buy direct from a local agent or get quotes online to compare insurance costs of insurance carriers. Shopping for car insurance by getting online quotes saves time, is easy to do, in addition you might just save a little.

Comparing car insurance rates direct online can be complicated if you are a beginner to quoting online. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes and find the best price. The fastest way to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 1998 can be significantly different and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the payout to repair may end up costing you less. Although more recent vehicles may have a trim level with safety features included like traction control, tire pressure monitors, a collision avoidance system, and a telematics system that may help help offset higher rates.

Liability

This will cover injuries or damage you cause to other's property or people by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states and may carry a deductible.