Drivers have lots of options when buying insurance for your vehicle. You can either contact an insurance agent or price shop online to compare pricing from insurance carriers. Finding cheaper auto insurance by getting online quotes is simple to do, plus you may find lower rates.

Finding the best direct price on auto insurance can be difficult if you have never used quoting online. Don't let that stop you because we're going to show you how. Finding lower can be relatively painless. You just have to spend a little time to compare quotes online with multiple companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by the following

Insurance premiums for your 1998 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older models so the payout to repair may end up costing you more. Conversely, newer vehicles have more advanced features such as anti-lock brakes, adaptive headlights, and adaptive cruise control that may help provide discounts that lower premiums.

Liability - 1998 liability coverage can cover damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverage - This covers damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a 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 lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. 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 an option in every state but can be used in place of medical payments coverage.