You have many choices when shopping for car insurance for your vehicle. You can either contact your neighborhood insurance agent or go online to compare insurance costs of companies. Buying auto insurance by quoting online can be fast and easy, in addition you will probably save money.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies competing for your business. Lowering your is a fairly straight forward process. You just need to take a few minutes comparing rates provided by online insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 1998 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1998 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Models that are new cost more so the cost to replace them may end up costing you more. But newer vehicles may have options including lane departure warning system, anti-lock brakes, and adaptive headlights that may help help offset higher rates.

Liability coverages

This coverage can cover injuries or damage you cause to a person or their property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision insurance

Collision insurance covers damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.