Buying auto insurance by getting online quotes saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to get rates from all providers so you can compare the lowest priced insurance.

Shopping online for auto insurance can be difficult if you are a beginner to online quoting. But relax because we're going to show you how. Getting better can be relatively painless. Just take time to compare quotes online from several insurance companies. This can be accomplished by visiting this page.

Rates are impacted by these things

Insurance premiums paid to insure a 1998 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating impacts rates
• Male drivers pay higher rates
• Higher deductibles save money
• Crash test rating for your 1998
• Whether or not you have claims
• Having current coverage saves
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so the costs to repair may result in higher rates. On the flip side, new models have more advanced features like lane departure warning system, pedestrian detection, and tire pressure monitors which may provide discounts that lower premiums.

Liability - This provides protection from damage or injury you incur to a person or their property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive or Other Than Collision - This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is not universally available but can be used in place of medical payments coverage.