Drivers have lots of options when attempting to insure your vehicle. You can get prices from an insurance agent or get quotes online to compare pricing from car insurance companies. Comparing auto insurance from online rate quotes saves time, is easy to do, plus you may find lower rates.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to quoting online. But relax because we're going to show you how. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be done by visiting this page.

Rates are determined by...

Insurance premiums paid to insure a 1998 can be significantly different and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older models so the costs to repair may end up costing you more. Although more recent vehicles have more advanced features included like forward-collision avoidance, adaptive cruise control, and lane departure warning system that may help provide discounts that lower premiums.

Liability insurance

This will cover damage or injury you incur to a person or their property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper .

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states but can be used in place of medical payments coverage.