You have lots of choices when finding cheaper insurance coverage on your vehicle. You can get prices from an agent or go online to compare rates from companies. Finding cheaper auto insurance by quoting online can be fast and easy and at the same time you can save money.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of auto insurance companies offering insurance. Finding cheaper coverage prices is a fairly straight forward process. All you need to do is take the time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Which factors influence the rate you pay?

Car insurance premiums for a 1998 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 1998 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Special coverage such as replacement cost
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the cost to replace them will push premiums up. Conversely, more recent vehicles may have safety features such as automatic crash notification, blind-spot warning system, and an advanced theft deterrent system so those may lower rates.

Liability coverages

This coverage will cover damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision protection

This will pay to fix damage to your caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 1998 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.