Shopping for auto insurance from online companies saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to get rates from all companies so you can compare the cheapest rate quotes.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. Finding lower is actually quite simple. You just have to spend a little time to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Auto insurance rates on a 1998 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 1998
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the costs to repair may result in higher rates. Although more recent vehicles may have a trim level with safety features included like lane departure warning system, dual-stage airbags, and pedestrian detection which may provide discounts that lower premiums.

Liability coverage - This will cover damage that occurs to people or other property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your resulting from a collision with another car or object. A deductible applies 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 vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive coverage - This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. PIP coverage is only offered in select states but can be used in place of medical payments coverage.