There are many options when trying to insure your vehicle. You can buy from a local agent or price shop online to compare insurance costs of insurance providers. Buying auto insurance by comparing rates online is simple to do and there is a good chance you might just save a little.

Shopping online for auto insurance can be a challenge if you have never used online rate quotes. But don't be discouraged because comparing prices is actually very simple. Finding a lower price on 1998 insurance can be quick and easy. You just have to take a little time to get quotes online with multiple companies. This can be accomplished by getting a quick quote here.

Auto insurance rates on a 1998 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the payout to repair will push premiums up. Although more recent vehicles may have a trim level with safety features included like dual-stage airbags, a rollover prevention system, and lane departure warning system so those may help offset higher rates.

Auto liability insurance

1998 liability coverage will cover damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1998 can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and may carry a deductible.