Shopping for auto insurance through online companies can be fast and easy, plus you may find lower rates. The most important part is to take the time to get rates from all providers in order to have the lowest prices.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online companies selling insurance. Cutting your is not a difficult process. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by...

Insurance premiums paid to insure a 1998 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 1998
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the cost to replace them can inflate annual premiums. But more recent vehicles have more advanced features including a rollover prevention system, forward-collision avoidance, and dual-stage airbags which can lower rates.

Coverage for liability - This coverage will cover damage or injury you incur to a person or their property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy higher limits if possible.

Collision - Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.