Comparing auto insurance by getting online quotes saves time, is easy to do, in addition you may find lower rates. The key to finding lower rates is to compare as many rate quotes as possible so you can get the lowest priced insurance.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. Getting better can be relatively painless. Just take time to compare quotes online from several insurance companies. This can be done by completing this short form.

Criteria which help determine

Insurance premiums for a 1998 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the costs to repair will push premiums up. Conversely, newer vehicles have more advanced features such as lane departure warning system, pedestrian detection, and tire pressure monitors so those may give discounted rates.

Liability - This can cover injuries or damage you cause to other people or property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Collision coverage - This coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1998 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for bills like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.