Buying car insurance by getting online quotes is simple to do, in addition you might just save a little. The critical component is getting rates from all companies so you can compare all possible prices.

Shopping online for car insurance can be complicated if you have never used quoting online. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Auto insurance rates on a 1998 can be significantly different subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Better credit means lower rates
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the cost to replace them can decrease annual premiums. But new models may have a trim level with safety features including traction control, adaptive headlights, and automatic crash notification that may help provide discounts that lower premiums.

Liability

1998 liability coverage provides protection from injuries or damage you cause to people or other property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1998 can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.