There are many options when attempting to insure your vehicle. You can buy direct from an agent or go online to compare pricing from multiple companies. Buying car insurance online can be fast and easy and there is a good chance you can save money.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of online car insurance companies and websites offering insurance. There are several ways of comparing rates from different insurance companies. The fastest way to find the lowest is to get quotes online. This can be accomplished by visiting this page.

Car insurance premiums for your 1998 will vary greatly depending on several factors. Some of these factors include:

• Higher performance 1998 vehicles cost more
• Your accident history
• Multiple policies can 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 that helps determine is the year of the vehicle. Older models cost less than newer models so the payout to repair may result in lower rates. Conversely, newer vehicles may have safety features such as lane departure warning system, traction control, and autonomous braking so those may provide discounts that lower premiums.

Liability coverage

This coverage can cover damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your resulting from colliding with another car or object. 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 older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.