Shopping for car insurance on the web can be fast and easy and at the same time you may find lower rates. The most important part is to get rates from all providers in order to have every company's rates.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of online companies selling insurance. The are a couple different ways of comparing rates from local car insurance companies. The simplest method to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence ?

Insurance premiums paid to insure a 1998 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you reside can make a big difference
• Annual mileage can affect rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so the costs to repair may result in lower rates. On the flip side, newer vehicles have more advanced features like lane departure warning system, a telematics system, and a collision avoidance system which may lower rates.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your from colliding with an object or car. A deductible applies 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 get cheaper .

Comprehensive car insurance

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.