There are many options when trying to find low-cost insurance for your vehicle. You can either buy through an agent or price shop online to compare rates from car insurance companies. Finding cheaper car insurance from online rate quotes is simple to do and there is a good chance you can save money.

Finding the best direct price on car insurance can be a challenge if you have never used online quotes. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The simplest method to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Car insurance premiums for your 1998 can vary widely subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so the payout to repair can decrease annual premiums. Conversely, newer models may have safety features such as tire pressure monitors, anti-lock brakes, and forward-collision avoidance which can lower rates.

Liability insurance

1998 liability coverage protects you from damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Coverage for collisions

This pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.