You have many choices when shopping for car insurance for your vehicle. You can get prices from an insurance agent or go online to compare rates from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy, in addition you may find lower rates.

If you've never shopped for auto insurance online, you may be confused by the hoards of online companies selling insurance. Lowering your can be surprisingly simple. You just need to take a few minutes to compare quotes provided by online insurance companies. This can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure 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 and auto can earn discounts
• How you use your vehicle
• Your age
• Whether you are married
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the cost to replace them may end up costing you more. But newer models have more advanced features including adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance that may help lower rates.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision insurance

This coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The highest amount a auto 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/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.