Shopping for car insurance by getting online quotes saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is getting rates from all companies in order to accurately compare the lowest prices.

Comparing car insurance rates direct online can be a challenge if you are a beginner to quoting online. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. The easiest way to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Insurance rates on a 1998 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 1998
• Your profession
• Your coverage level
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks cost less so the cost to replace them may end up costing you less. On the flip side, more recent vehicles may have options like a telematics system, all-wheel drive, and adaptive headlights that may help help offset higher rates.

Liability - This will cover damage that occurs to people or other property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as large an amount as possible.

Collision - Collision coverage will pay to fix damage to your resulting from a collision with another car or object. You first must 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 vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive or Other Than Collision - This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.