You have lots of choices when finding cheaper insurance coverage on your vehicle. You can either contact an insurance agent or price shop online to check prices from many different companies. Buying car insurance from online companies is simple to do and at the same time you may find lower rates.

Shopping online for car insurance is challenging if you have never used quoting online. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates from different insurance companies. The easiest way by far to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What influences car insurance premiums?

Insurance premiums for your 1998 can be significantly different subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• How many accidents you have had
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the payout to repair can decrease annual premiums. Conversely, newer vehicles have more advanced features such as forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive that may help give discounted rates.

Liability coverage

1998 liability coverage can cover damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision protection

Collision insurance covers damage to your resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.