You have many choices when buying insurance for your vehicle. You can either contact a local agent or price shop online to compare rates from a lot of auto insurance companies. Finding cheaper auto insurance through online companies is simple to do, in addition you might just save a little.

Finding the best direct price on auto insurance can be complicated if you have never used quoting online. But relax because comparing prices is actually very simple. Finding lower is not a difficult process. You just have to spend a little time to get quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 1998 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Your age
• Whether you are married
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the payout to repair may end up costing you more. Although newer models may have a trim level with safety features included like adaptive cruise control, pedestrian detection, and lane departure warning system that may help lower rates.

Coverage for liability - 1998 liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverage - This pays for damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments - Med pay and PIP coverage reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.