Comparing car insurance from online companies is simple to do, plus you can save money. The critical component is to compare as many rate quotes as possible in order to have all your choices.

Using the web to shop for car insurance direct can be difficult if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates and find the best price. The fastest way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by the following

Car insurance premiums for a 1998 will vary greatly subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Your credit history
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 1998
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so repair costs tend to be lower which can decrease annual premiums. Although newer vehicles may have safety features included like an advanced theft deterrent system, all-wheel drive, and traction control so those may lower rates.

Liability coverage

1998 liability coverage can cover damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Auto collision coverage

This coverage covers damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 1998 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.