Finding cheaper auto insurance through online companies is simple to do, in addition you might just save a little. The critical component is to get rates from as many companies as possible so you can get the lowest priced insurance.

Finding the best direct price on auto insurance can be complicated if you have never used online quoting. Don't let that stop you because comparing prices is actually very simple. Getting better is not a difficult process. Just take time to get quotes online with multiple companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine your insurance rates

Auto insurance rates for your 1998 can fluctuate considerably subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the payout to repair may result in higher rates. But newer vehicles may have a trim level with safety features including tire pressure monitors, traction control, and adaptive cruise control which may give discounted rates.

Coverage for liability - 1998 liability coverage can cover injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage - This covers damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from 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 most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments - Coverage for medical payments and/or PIP reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are utilized in addition to your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.