Comparing auto insurance from online companies is simple to do and there is a good chance you may find lower rates. The critical component is to take the time to get rates from as many companies as possible so you can get all possible prices.

Using the web to shop for auto insurance direct can be a challenge if you have never used online quotes. Don't let that stop you because we're going to show you how. Finding cheaper coverage prices is actually quite simple. All you need to do is take the time to compare quotes online with multiple companies. This can be done by completing this short form.

Insurance premiums for your 1998 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 1998
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

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 payout to repair can inflate annual premiums. But newer models have more advanced features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive which can give discounted rates.

Liability coverage

1998 liability coverage protects you from damage that occurs to other's property or people. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision protection

This coverage pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.