Finding cheaper auto insurance on the web is simple to do and there is a good chance you might just save a little. The critical component is to get rates from as many companies as possible in order to have every possible rate.

Finding the best direct price on auto insurance can be a challenge if you have never used online quoting. Don't let that stop you because comparing prices is actually very simple. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer to get quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Auto insurance rates for your 1998 can fluctuate considerably subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Safety rating of your 1998
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the payout to repair may result in higher rates. Although new models may have a trim level with safety features included like a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which may lower rates.

Liability car insurance

1998 liability coverage provides protection from damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.