You have many choices when finding cheaper insurance coverage on your vehicle. You can buy from a local agent or go online to check prices from multiple companies. Finding cheaper auto insurance online can be fast and easy, in addition you might just save a little.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites vying for your business. Finding cheaper coverage prices is not rocket science. All you need to do is take the time to get quotes provided by online insurance 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 depending on several factors. A few of these criteria are:

• Higher performance 1998 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Having continuous coverage saves you money
• 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 cost to replace them may result in higher rates. Although new models may have a trim level with safety features included like forward-collision avoidance, sideview assist mirrors, and all-wheel drive which may give discounted rates.

Liability coverage

This coverage provides protection from 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. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply 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 ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.