You have many choices when buying insurance for your vehicle. You can buy from an agent or go online to compare insurance costs of insurance providers. Comparing auto insurance by comparing rates online can be fast and easy, in addition you can save money.

If you've never shopped for auto insurance online, you may be confused by the hoards of online auto insurance companies and websites offering insurance. Finding lower can be quick and easy. You just have to spend a little time getting comparison quotes provided by online insurance companies. This can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 1998 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1998 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the cost to replace them may end up costing you more. But newer vehicles may have safety features including a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection that may help help offset higher rates.

Auto liability insurance - This coverage can cover injuries or damage you cause to other's property or people. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - This coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.