Shopping for car insurance from online rate quotes is simple to do, in addition you can save money. The critical component is to compare rates from all companies in order to have all possible prices.

Comparing car insurance rates direct online can be complicated if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The easiest way by far to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Car insurance premiums on a 1998 will vary greatly subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Your credit history
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the cost to replace them can decrease annual premiums. Conversely, newer vehicles may have safety features such as active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors so those may lower rates.

Liability insurance

1998 liability coverage can cover injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision protection

Collision coverage covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a 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 older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.