Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either buy through a local agent or go online to compare insurance costs of companies. Buying car insurance by quoting online can be fast and easy, plus you might just save a little.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The best method to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by these things

Auto insurance rates on a 1998 can vary widely depending on several factors. Including but not limited to:

• Higher performance 1998 vehicles cost more
• Any accidents you may have
• Multiple policies can save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• What you do for a living
• Your coverage level
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the cost to replace them may result in lower rates. On the flip side, new models may have a trim level with safety features like pedestrian detection, automatic crash notification, and tire pressure monitors which can help offset higher rates.

Liability coverages - This coverage provides protection from damage or injury you incur to people or other property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 1998 can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverages - This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and may carry a deductible.