Finding cheaper auto insurance through online companies can be fast and easy, in addition you will probably save money. The most important part is getting as many rate quotes as possible so you can get all your choices.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of auto insurance companies competing for your business. Getting cheaper insurance rates is not a difficult process. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine

Insurance rates for a 1998 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• The size of your community
• How many miles you drive
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. New vehicles have a higher actual cash value so the cost to replace them may end up costing you more. But newer vehicles may have options including pedestrian detection, a collision avoidance system, and adaptive headlights that may help give discounted rates.

Coverage for liability

This coverage can cover injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Auto collision coverage

This covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. 1998 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from 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 highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.