You have lots of choices when comparing insurance rates on your vehicle. You can buy direct from an agent or get quotes online to compare pricing from multiple companies. Finding cheaper auto insurance online saves time, is easy to do and at the same time you can save money.

Finding the best direct price on auto insurance is challenging if you are a beginner to online quoting. But relax because it's actually quite easy. Finding a better price on auto insurance is not rocket science. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

What factors determine ?

Car insurance premiums paid to insure a 1998 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so the costs to repair may result in higher rates. Conversely, newer vehicles may have safety features such as dual-stage airbags, tire pressure monitors, and blind-spot warning system which may provide discounts that lower premiums.

Liability coverage - This can cover damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverages - This covers damage to your from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage - This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.