Buying auto insurance from online rate quotes saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to take the time to get rates from all companies in order to accurately compare the cheapest rate quotes.

Shopping online for auto insurance can be difficult if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. Finding lower doesn't have to be difficult. You just have to spend a little time to get quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

Rates are impacted by these factors

Auto insurance rates on a 1998 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 1998
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, newer models may have a trim level with safety features like adaptive cruise control, anti-lock brakes, and active head restraints which can help offset higher rates.

Liability insurance - This protects you from damage or injury you incur to people or other property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Collision coverage - Collision insurance pays for damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1998 can be pricey, 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 protection - This coverage 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 maximum payout 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 consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage - Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and may carry a deductible.