You have lots of choices when shopping for insurance coverage for your vehicle. You can buy direct from an insurance agent or get quotes online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes saves time, is easy to do and at the same time you may find lower rates.

Comparing car insurance rates direct online is challenging if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The best method to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What factors determine your insurance rates?

Insurance premiums on a 1998 can vary widely and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Mature drivers pay less
  • Whether you are married
  • Special coverage such as replacement cost
  • Your job
  • The amount of protection requested
  • Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so the cost to replace them may end up costing you less. But new models have more advanced features including an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which can lower rates.

Auto liability - This provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your 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 lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.