There are many options when looking for the best insurance on your vehicle. You can either contact a local agent or get quotes online to compare rates from insurance carriers. Comparing car insurance by getting online quotes saves time, is easy to do and there is a good chance you might just save a little.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The best way to compare involves getting comparison quotes online. This can be accomplished by comparing rates here.

Auto insurance rates on a 1998 can vary widely and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• 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 can impact is the model year. Used vehicles cost less in comparison to older models so the cost to replace them may end up costing you less. But newer models may have a trim level with safety features including blind-spot warning system, dual-stage airbags, and automatic crash notification which can lower rates.

Liability

This protects you from damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying higher limits if possible.

Collision coverage protection

This coverage pays for damage to your resulting from a collision with another car or object. 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 vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Because many people 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 a good idea.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.