Finding cheaper car insurance by comparing rates online can be fast and easy and at the same time you will probably save money. The most important part is to take the time to get rates from all companies so you can get every option.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The quickest method to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence your insurance rates?

Insurance rates on a 1998 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• The size of your community
• The number of annual miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a reduced actual cash value so the cost to replace them may result in lower rates. Conversely, newer models may have options such as dual-stage airbags, a rollover prevention system, and lane departure warning system which can give discounted rates.

Auto liability insurance

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

Collision coverage

This 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.