Comparing car insurance through online rate quotes saves time, is easy to do, in addition you can save money. The key to finding lower rates is getting as many rate quotes as possible so you can compare every company's rates.

Using the web to shop for car insurance direct can be complicated if you are a beginner to quoting online. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates and find the best price. The simplest method to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine

Car insurance premiums for a 1998 can be significantly different and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Better credit means lower rates
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so repair costs tend to be lower which may end up costing you less. Although newer vehicles may have safety features included like a backup camera, lane departure warning system, and traction control that may help provide discounts that lower premiums.

Auto liability

This can cover injuries or damage you cause to other people or property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as large an amount as possible.

Coverage for collisions

This coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. 1998 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper .

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The highest 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 it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people 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 a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is not an option in every state but can be used in place of medical payments coverage.