Finding cheaper car insurance through online rate quotes saves time, is easy to do, plus you can save money. The key to finding lower rates is to take the time to get rates from all companies in order to have the cheapest rate quotes.

Finding the best direct price on car insurance can be difficult if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The recommended way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by the following

Car insurance premiums on a 1998 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 1998
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so the cost to replace them may end up costing you less. Conversely, newer vehicles may have safety features such as dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which can lower rates.

Auto liability - This can cover damage or injury you incur to people or other property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - This covers damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1998 can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

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

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.