Shopping for car insurance online can be fast and easy and at the same time you can save money. The most important part is to compare rates from all companies in order to accurately compare the lowest prices.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of companies offering insurance. There are several ways to compare quotes from car insurance companies in your area. The easiest way to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence the rate you pay?

Car insurance premiums on a 1998 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the cost to replace them may result in lower rates. But newer models may have safety features including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may help offset higher rates.

Liability coverage - This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision - Collision coverage pays for damage to your resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 1998 can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage - This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage 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 payments coverage and PIP - Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.