Comparing car insurance through online companies can be fast and easy, in addition you might just save a little. The most important part is getting as many rate quotes as possible in order to have the lowest rate quotes.

If you've never shopped for car insurance online, you may be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to get quotes and find the best price. By far the easiest way to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Auto insurance rates for a 1998 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so repair costs tend to be lower which may result in lower rates. Although more recent vehicles may have a trim level with safety features included like a telematics system, a collision avoidance system, tire pressure monitors, and traction control that may help lower rates.

Coverage for liability

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

Collision insurance

This coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. 1998 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply 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 ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.