Comparing car insurance online saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to take the time to get rates from all providers so you can compare every possible rate.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quotes. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The best way to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine your insurance rates?

Insurance rates paid to insure a 1998 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Your location impacts rates
• Annual mileage can affect rates
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the costs to repair may end up costing you less. But more recent vehicles may have options including forward-collision avoidance, tire pressure monitors, and autonomous braking which can provide discounts that lower premiums.

Liability coverage

This will cover damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase higher limits if possible.

Collision coverage protection

This coverage will pay to fix damage to your from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when the "other guys" are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.