You have many choices when comparing insurance rates on your vehicle. You can either buy through a local agent or go online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes can be fast and easy, in addition you might just save a little.

If you are a novice to online car insurance shopping, you may be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. One of the best ways to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Auto insurance rates on a 1998 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1998 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your age
• Whether you are married
• Optional coverages like vehicle replacement
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor which can affect is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so the cost to replace them may result in lower rates. Although newer models may have a trim level with safety features included like autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights that may help lower rates.

Auto liability - This coverage protects you from injuries or damage you cause to people or other property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverages - This pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 1998 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive auto coverage - This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.