Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either contact an insurance agent or get quotes online to compare pricing from insurance carriers. Buying car insurance by getting online quotes saves time, is easy to do, plus you may find lower rates.

Shopping online for car insurance can be difficult if you are a beginner to online quotes. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The best method to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by these things

Insurance premiums paid to insure a 1998 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the costs to repair may end up costing you less. Conversely, new models have more advanced features such as lane departure warning system, pedestrian detection, and tire pressure monitors which can provide discounts that lower premiums.

Liability - This provides protection from damage or injury you incur to a person or their property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical costs insurance - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.