Comparing car insurance through online companies can be fast and easy and at the same time you can save money. The most important part is to take the time to get rates from all companies in order to have the lowest priced insurance.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies offering insurance. There are several ways to compare quotes from car insurance companies in your area. The best method to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence your insurance rates?

Car insurance premiums on a 1998 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the cost to replace them may result in lower rates. But newer models may have safety features including tire pressure monitors, traction control, and adaptive cruise control which can lower rates.

Coverage for liability - This coverage protects you from damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverage - This coverage pays for damage to your resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 1998 can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.