You have lots of choices when trying to insure your vehicle. You can either buy through an insurance agent or go online to compare pricing from car insurance companies. Buying auto insurance from online rate quotes can be fast and easy and at the same time you may find lower rates.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of online companies selling insurance. Finding a lower price on 1998 insurance doesn't have to be difficult. You just have to take a little time to compare quotes provided by online insurance companies. This can be accomplished by visiting this page.

Which factors influence car insurance premiums?

Insurance premiums paid to insure a 1998 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 1998 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Special coverage such as replacement cost
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so the cost to replace them may end up costing you more. But newer vehicles have more advanced features including adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system that may help provide discounts that lower premiums.

Liability insurance

This coverage can cover damages or injuries you inflict on a person or their property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage

Collision insurance covers damage to your from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.