You have many choices when attempting to insure your vehicle. You can either buy through your neighborhood insurance agent or go online to compare insurance costs of car insurance companies. Shopping for auto insurance from online rate quotes can be fast and easy, in addition you will probably save money.

If shopping for auto insurance online is new to you, you may be confused by the hoards of online companies competing for your business. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 1998 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 1998 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Models that are new have a higher replacement value so the cost to replace them can inflate annual premiums. Although newer vehicles may have options included like forward-collision avoidance, adaptive cruise control, and lane departure warning system which can help offset higher rates.

Liability insurance

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase higher limits if possible.

Auto collision coverage

Collision coverage covers damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.