There are many options when attempting to insure your vehicle. You can either buy through an agent or go online to check prices from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy and there is a good chance you can save money.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of companies offering insurance. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This can be done by completing this short form.

Car insurance premiums on a 1998 can vary widely depending on several factors. Some of these factors include:

• Higher performance 1998 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Young drivers cost more
• Having a spouse can save money
• Extra coverages like towing and rental
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the cost to replace them can inflate annual premiums. On the flip side, more recent vehicles may have safety features like autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can give discounted rates.

Auto liability

This coverage will cover damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy higher limits if possible.

Auto collision coverage

This coverage will pay to fix damage to your resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 1998 can be pricey, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.