Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact an agent or price shop online to compare pricing from multiple insurance companies. Shopping for car insurance on the web is simple to do, plus you can save money.

Comparing car insurance rates direct online can be difficult if you have never used online rate quotes. But relax because it's actually quite easy. There are several ways to compare quotes from different insurance companies. One of the best ways to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by these factors

Car 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 age
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so the costs to repair can decrease annual premiums. Conversely, newer models may have safety features such as a telematics system, lane departure warning system, and tire pressure monitors so those may provide discounts that lower premiums.

Liability car insurance - 1998 liability coverage protects you from 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 you should buy as much as you can afford.

Collision coverages - Collision coverage pays for 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 older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive car insurance - This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be 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 available in all states but can be used in place of medical payments coverage.