Drivers have lots of options when attempting to insure your vehicle. You can buy direct from an insurance agent or price shop online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes is simple to do, plus you may find lower rates.

Comparing auto insurance rates direct online can be difficult if you have never used online rate quotes. But relax because we're going to show you how. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to compare quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by the following

Insurance premiums paid to insure a 1998 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Your birth date
• Whether you are married
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the payout to repair will push premiums up. Conversely, newer vehicles have more advanced features such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may lower rates.

Auto liability

1998 liability coverage can cover damage or injury you incur to a person or their property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as much as you can afford.

Auto collision coverage

Collision coverage covers damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.