Shopping for car insurance by comparing rates online saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to get rates from all companies so you can get every option.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The quickest method to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by these things

Auto insurance rates on a 1998 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating impacts rates
• Where you reside can make a big difference
• The number of annual miles
• Male drivers pay higher rates
• Low deductibles cost more
• Crash test rating for your 1998
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the cost to replace them may end up costing you less. Conversely, new models may have a trim level with safety features such as dual-stage airbags, a rollover prevention system, and lane departure warning system which may give discounted rates.

Auto liability insurance

This provides protection from damage or injury you incur to people or other property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. 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. It's also possible to bump up the deductible to bring the cost down.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance program or if you do not have health coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.