Shopping for car insurance through online companies is simple to do, in addition you will probably save money. The critical component is to take the time to get rates from all companies so you can compare all possible prices.

Comparing car insurance rates direct online can be complicated if you have never used online quotes. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. The easiest way by far to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Insurance rates on a 1998 can vary widely subject to many criteria. A few of these criteria are:

  • Traffic citations increase rates
  • Credit rating
  • Men typically pay more than women
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Your profession
  • Your coverage level
  • Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a much lower replacement value so the cost to replace them can decrease annual premiums. On the flip side, more recent vehicles may have options like active head restraints, traction control, and a rollover prevention system which can provide discounts that lower premiums.

Coverage for liability

1998 liability coverage will cover injuries or damage you cause to people or other property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1998 can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.