Finding cheaper car insurance by quoting online saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare all possible prices.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The easiest way by far to find the cheapest is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

Car insurance premiums for a 1998 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 1998
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so repair costs tend to be lower which may end up costing you less. But more recent vehicles may have safety features including automatic crash notification, blind-spot warning system, and an advanced theft deterrent system which can help offset higher rates.

Liability coverages

This will cover damage that occurs to other people or property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Collision protection

This will pay to fix damage to your caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 1998 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.