You have lots of choices when attempting to insure your vehicle. You can either contact a local agent or get quotes online to compare pricing from many different auto insurance companies. Finding cheaper auto insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little.

Finding the best direct price on auto insurance is challenging if you are a beginner to online rate quotes. But don't be discouraged because comparing prices is actually very simple. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Auto insurance rates on a 1998 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your age
• Being married can lower rates
• Special coverage such as replacement cost
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so the costs to repair will push premiums up. But newer models may have a trim level with safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may provide discounts that lower premiums.

Auto liability

This protects you from damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Auto collision coverage

This pays for damage to your resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1998 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.