Shopping for car insurance from online rate quotes can be fast and easy and at the same time you will probably save money. The most important part is to take the time to get rates from as many companies as possible in order to have the lowest priced insurance.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The best method to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence your insurance rates?

Insurance rates for your 1998 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a reduced actual cash value so the payout to repair may result in lower rates. Conversely, newer models may have options such as a collision avoidance system, forward-collision avoidance, and active head restraints which can lower rates.

Liability insurance - This coverage protects you from damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage - Collision coverage pays for damage to your resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.