Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can either contact a local agent or get quotes online to compare pricing from insurance carriers. Comparing car insurance by getting online quotes saves time, is easy to do, plus you might just save a little.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quoting. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The simplest method to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by the following

Auto insurance rates for your 1998 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the payout to repair may end up costing you less. But newer vehicles may have a trim level with safety features including anti-lock brakes, adaptive cruise control, and autonomous braking which may provide discounts that lower premiums.

Liability

This can cover damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as high a limit as you can afford.

Coverage for collisions

This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.