Comparing car insurance on the web saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to compare rates from all companies so you can compare every company's rates.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online rate quotes. But don't be discouraged 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 can be accomplished by visiting this page.

Car insurance premiums on a 1998 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Your location impacts rates
• The number of annual miles
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 1998
• Your occupation
• Insurance coverage level
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the cost to replace them may end up costing you less. Although newer vehicles may have safety features included like lane departure warning system, a telematics system, and a collision avoidance system so those may provide discounts that lower premiums.

Liability car insurance

This can cover damage that occurs to people or other property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as much as you can afford.

Coverage for collisions

This coverage covers damage to your resulting from a collision with another car or object. You have to 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 older vehicles. Another option is to raise the deductible in order to get cheaper .

Comprehensive car insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim 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

Your UM/UIM 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, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance plan 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.