Drivers have lots of options when insurance shopping for your vehicle. You can either contact an insurance agent or get quotes online to compare pricing from many different companies. Finding cheaper car insurance from online companies saves time, is easy to do, plus you may find lower rates.

Finding the best direct price on car insurance can be difficult if you are a beginner to online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The easiest way to find the lowest is to perform an online rate comparison. This can be done by visiting this page.

Premiums are calculated by these things

Insurance premiums on a 1998 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the cost to replace them may end up costing you less. Conversely, new models have more advanced features such as anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which may provide discounts that lower premiums.

Liability coverage - This provides protection from damage or injury you incur to people or other property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Collision - This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 1998 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage - This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.