Shopping for car insurance by quoting online saves time, is easy to do, in addition you may find lower rates. The key to finding lower rates is to get rates from as many companies as possible in order to have all your choices.

Comparing car insurance rates direct online can be complicated if you are a beginner to online quoting. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The fastest way to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Insurance premiums for your 1998 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• Where you reside can make a big difference
• High miles vs. low miles
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new models so the payout to repair may end up costing you less. Conversely, new models have more advanced features such as adaptive headlights, anti-lock brakes, traction control, and a telematics system which may lower rates.

Liability coverages

This provides protection from injuries or damage you cause to other's property or people by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance program or if you do not have health coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.