Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy direct from an insurance agent or get quotes online to compare insurance costs of car insurance companies. Finding cheaper car insurance from online rate quotes 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 rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare quotes and find the best price. The best method to find the cheapest is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by these factors

Insurance premiums for a 1998 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your job
• Insurance coverage level
• 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 repair costs tend to be lower which may end up costing you less. Although newer models have more advanced features included like a collision avoidance system, forward-collision avoidance, and active head restraints so those may help offset higher rates.

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

Collision coverage - This pays for damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1998 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive protection - Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Since a lot of 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 should not be overlooked.

Medical expense coverage - Med pay and PIP coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP coverage is not available in all states and may carry a deductible.