Finding cheaper auto insurance on the web saves time, is easy to do, plus you will probably save money. The key to finding lower rates is to compare rates from all providers in order to have the lowest rate quotes.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online rate quotes. But relax because there is an easy way to compare rates. Lowering your isn't really that difficult. You just need to take a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by...

Insurance rates paid to insure a 1998 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 1998
• No claims lowers premiums
• Having continuous coverage saves you money
• Home ownership saves money

One last important factor which can affect the rate you pay on your is the year of manufacture. Newer models have a higher actual cash value so the costs to repair will push premiums up. Although more recent vehicles may have options included like a telematics system, blind-spot warning system, and sideview assist mirrors so those may lower rates.

Liability car insurance

This will cover damage or injury you incur to a person or their property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so purchase as much as you can afford.

Collision insurance

This will pay to fix damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper .

Comprehensive auto insurance

This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.