You have many choices when trying to find low-cost insurance for your vehicle. You can either buy through a local agent or go online to compare rates from insurance carriers. Shopping for car insurance by getting online quotes can be fast and easy, in addition you might just save a little.

If shopping for car insurance online is new to you, you may be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The simplest method to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 1998 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 1998 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the costs to repair may result in lower rates. But more recent vehicles may have a trim level with safety features including anti-lock brakes, adaptive cruise control, and autonomous braking so those may lower rates.

Liability

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays for 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 maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.