Comparing car insurance through online companies is simple to do and at the same time you can save money. The critical component is to compare rates from all companies in order to have all your choices.

Using the web to shop for car insurance direct is challenging if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. The fastest way to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What influences the rate you pay?

Car insurance premiums on a 1998 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Your location impacts rates
• The number of annual miles
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the cost to replace them can decrease annual premiums. On the flip side, newer models may have safety features like pedestrian detection, a collision avoidance system, and adaptive headlights so those may lower rates.

Coverage for liability

1998 liability coverage protects you from damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Auto collision coverage

This coverage pays for damage to your resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1998 can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.