Shopping for auto insurance online saves time, is easy to do, plus you can save money. The key to finding lower rates is to take the time to get rates from as many companies as possible so you can compare every possible rate.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online quotes. Don't let that stop you because it's actually quite easy. Reducing your is not rocket science. All that's required is to spend a few minutes on the computer getting comparison quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by these factors

Car insurance premiums for your 1998 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Where you reside can make a big difference
• High miles vs. low miles
• Your gender can raise or lower rates
• Higher deductibles save money
• Crash test rating for your 1998
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the costs to repair can inflate annual premiums. Conversely, newer models may have safety features such as forward-collision avoidance, tire pressure monitors, and autonomous braking which can provide discounts that lower premiums.

Liability coverage

This protects you from damage or injury you incur to other's property or people by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision coverage protection

Collision coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.