Comparing auto insurance from online companies can be fast and easy, plus you might just save a little. The most important part is to compare rates from all providers in order to accurately compare all your choices.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies vying for your business. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Rates are determined by the following

Auto insurance rates paid to insure a 1998 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• Annual mileage can affect rates
• Male rates may be higher
• The deductible you choose
• Crash test rating for your 1998
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them will push premiums up. Conversely, newer vehicles may have a trim level with safety features such as an advanced theft deterrent system, all-wheel drive, and traction control so those may help offset higher rates.

Liability coverage

This coverage can cover damage or injury you incur to a person or their property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Auto collision coverage

This coverage covers damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay 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

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.