There are many options when shopping for insurance coverage for your vehicle. You can buy direct from your neighborhood insurance agent or price shop online to compare pricing from multiple companies. Shopping for car insurance online is simple to do and there is a good chance you will probably save money.

Comparing car insurance rates direct online can be a challenge if you have never used online quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The best method to find the lowest consists of shopping online. This can be accomplished by visiting this page.

Insurance rates for your 1998 can vary widely subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your profession
• The level of coverage
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks cost less so the payout to repair can decrease annual premiums. Conversely, newer models may have options such as adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection which can provide discounts that lower premiums.

Liability coverage - 1998 liability coverage protects you from damage that occurs to other's property or people by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - Collision coverage pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM 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 doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance policy 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.