Finding cheaper auto insurance online is simple to do and there is a good chance you may find lower rates. The critical component is to take the time to get rates from as many companies as possible so you can get the lowest priced insurance.

Finding the best direct price on auto insurance can be a challenge if you have never used online quotes. Don't let that stop you because we're going to show you how. Getting better is not rocket science. Just take time to compare quotes online with multiple companies. It is quite easy and can be accomplished by completing this short form.

Insurance premiums for your 1998 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 1998
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the payout to repair can inflate annual premiums. Although more recent vehicles have more advanced features included like adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection which can give discounted rates.

Liability coverage - 1998 liability coverage will cover damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - This will pay to fix damage to your resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

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

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they 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. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.