There are many options when trying to insure your vehicle. You can buy from an insurance agent or go online to compare insurance costs of multiple insurance companies. Shopping for car insurance on the web can be fast and easy and there is a good chance you may find lower rates.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of companies selling insurance. The are a couple different ways of comparing rates from different insurance companies. The quickest method to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Insurance premiums on a 1998 will vary greatly depending on several factors. Some of these factors include:

• Higher performance 1998 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your birth date
• Being married may save money
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks cost less compared to new models so the cost to replace them may result in lower rates. Conversely, newer vehicles have more advanced features such as adaptive cruise control, sideview assist mirrors, and tire pressure monitors so those may help offset higher rates.

Liability car insurance

This coverage can cover damage that occurs to people or other property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage

Collision coverage covers damage to your resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 1998 can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive car insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.