Drivers have lots of options when buying insurance for your vehicle. You can get prices from an agent or go online to compare rates from car insurance companies. Buying car insurance from online rate quotes can be fast and easy, plus you can save money.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies offering insurance. There are several ways to get quotes from different insurance companies. The recommended way to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted 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
• Multiple policies can save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so the cost to replace them may result in lower rates. Conversely, more recent vehicles may have safety features such as adaptive cruise control, anti-lock brakes, and active head restraints which can lower rates.

Liability insurance - This coverage will cover damage or injury you incur to people or other property in 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 - Collision insurance 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. You can also raise the deductible to bring the cost down.

Comprehensive protection - This coverage pays for 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 it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy 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.