Comparing car insurance through online providers can be fast and easy, plus you will probably save money. The most important part is getting rates from as many companies as possible so you can get the lowest prices.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The easiest way to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by the following

Insurance rates for your 1998 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 1998
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so the payout to repair may result in lower rates. But newer vehicles may have options including lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system that may help give discounted rates.

Liability auto insurance - This coverage can cover damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision - This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance - Coverage for medical payments and/or PIP pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.