Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can either contact a local agent or get quotes online to compare insurance costs of many different auto insurance companies. Shopping for auto insurance through online rate quotes saves time, is easy to do, plus you might just save a little.

Comparing auto insurance rates direct online can be difficult if you are a beginner to quoting online. But relax because comparing prices is actually very simple. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time to get quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance rates influenced by...

Auto insurance rates paid to insure a 1998 can be significantly different and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • How many accidents you have had
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Young drivers cost more
  • Being married may save money
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that will help determine is the model year. Models that are new have a higher replacement value in comparison to later models so the costs to repair may end up costing you more. On the flip side, more recent vehicles may have a trim level with safety features like a backup camera, lane departure warning system, and traction control that may help help offset higher rates.

Auto liability

This will cover damage or injury you incur to a person or their property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You first must pay a 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. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay 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.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists 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. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be 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 and may carry a deductible.