Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can buy direct from a local agent or go online to check prices from multiple insurance companies. Buying auto insurance on the web can be fast and easy, plus you might just save a little.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by these factors

Auto insurance rates for your 1998 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 1998 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your age
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the cost to replace them will push premiums up. On the flip side, newer models may have a trim level with safety features like lane departure warning system, a telematics system, and a collision avoidance system so those may give discounted rates.

Liability car insurance

This coverage protects you from damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Coverage for collisions

Collision insurance pays for damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.