Buying car insurance through online providers can be fast and easy and at the same time you may find lower rates. The most important part is to compare rates from all providers in order to accurately compare all possible prices.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online companies selling insurance. The are a couple different ways to compare quotes from different insurance companies. The easiest way by far to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence the rate you pay?

Insurance premiums paid to insure 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 job
• The level of coverage
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the costs to repair may result in lower rates. Conversely, newer models have more advanced features such as forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking so those may help offset higher rates.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision protection

Collision insurance pays for damage to your from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. 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.

Uninsured or underinsured coverage

This provides protection from other drivers when they do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense insurance

Med pay and PIP coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.