Drivers have lots of options when insurance shopping for your vehicle. You can either buy through an insurance agent or price shop online to compare insurance costs of lots of different providers. Comparing car insurance through online providers is simple to do, plus you may find lower rates.

Using the web to shop for car insurance direct can be difficult if you have never used online quoting. But relax because we're going to show you how. The are a couple different ways of comparing rates from local car insurance companies. The easiest way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by the following

Insurance premiums paid to insure a 1998 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Your birth date
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your job
• Your coverage level
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the costs to repair can decrease annual premiums. On the flip side, newer vehicles have more advanced features like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which may help offset higher rates.

Liability auto insurance - 1998 liability coverage can cover damage or injury you incur to a person or their property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision - This coverage covers damage to your from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive (Other than Collision) - This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and may carry a deductible.