There are many options when buying insurance for your vehicle. You can get prices from a local agent or shop online to check prices from car insurance companies. Buying car insurance from online rate quotes is easy and there is a good chance you might just save a little.

People who are new to shopping for insurance may think shopping for affordable 1998 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The recommended way to find competitive is to get quotes online. This can be accomplished by completing this short form.

Auto insurance rates paid to insure a 1998 can be significantly different based upon several criteria. Some of these factors include:

• The performance level of your 1998
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Extra coverages like towing and rental
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the costs to repair will push premiums down. But newer models may have a trim level with safety features including adaptive cruise control, anti-lock brakes, and active head restraints that may help give discounted rates.

Liability insurance - Liability insurance protects you from damage that occurs to a person or their property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - Collision insurance pays for damage to your from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive protection - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage - Med pay and PIP coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.