You have many choices when buying insurance for your vehicle. You can get prices from an insurance agent or get quotes online to compare pricing from insurance providers. Shopping for car insurance by comparing rates online saves time, is easy to do, in addition you may find lower rates.

Comparing car insurance rates direct online can be complicated if you are a beginner to online rate quotes. But relax because we're going to show you how. The are a couple different ways to compare quotes from car insurance companies in your area. The recommended way to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 1998 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new models so the costs to repair may end up costing you less. But newer models have more advanced features including a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Auto liability insurance - This protects you from 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. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, 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.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage kick in for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.