You have lots of choices when insurance shopping for your vehicle. You can buy from a local agent or go online to compare insurance costs of multiple companies. Finding cheaper auto insurance online can be fast and easy and at the same time you might just save a little.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online companies vying for your business. Cutting your is not rocket science. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Auto insurance rates paid to insure a 1998 can vary widely depending on several factors. Taken into consideration are:

• Higher performance 1998 vehicles cost more
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the cost to replace them can inflate annual premiums. On the flip side, newer vehicles may have a trim level with safety features like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can help offset higher rates.

Liability coverage - This coverage can cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision - This covers damage to your from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage - This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This provides protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and may carry a deductible.