Drivers have lots of options when looking for the best insurance on your vehicle. You can get prices from an agent or go online to compare insurance costs of multiple insurance companies. Shopping for car insurance on the web can be fast and easy, plus you can save money.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of companies offering insurance. There are several ways to get quotes from car insurance companies in your area. The best way to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by...

Car insurance premiums 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
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Young drivers cost more
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so the cost to replace them may result in lower rates. But more recent vehicles may have safety features including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which can help offset higher rates.

Liability car insurance

This coverage will cover damage or injury you incur to people or other property by causing 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 you should buy higher limits if possible.

Collision coverage protection

Collision coverage will pay to fix damage to your 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. 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 it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.