Shopping for car insurance from online companies saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is getting rates from all companies so you can compare every option.

Comparing car insurance rates direct online is challenging if you are a beginner to 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 quotes and find the best price. The quickest method to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine car insurance premiums?

Auto insurance rates on a 1998 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Where you reside can make a big difference
• The number of annual miles
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the cost to replace them may end up costing you less. Although newer models may have a trim level with safety features included like lane departure warning system, dual-stage airbags, and sideview assist mirrors that may help provide discounts that lower premiums.

Liability coverage

This protects you from damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage

Collision coverage pays for damage to your resulting from a collision with an object or car. You first must pay a 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 vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states but can be used in place of medical payments coverage.