There are many options when buying insurance for your vehicle. You can buy direct from an agent or price shop online to compare rates from a lot of car insurance companies. Shopping for car insurance through online companies is simple to do and there is a good chance you can save money.

Comparing car insurance rates direct online can be a challenge if you have never used online quoting. But don't let that discourage you because it's actually quite easy. There are several ways to get quotes from different insurance companies. The recommended way to compare consists of shopping online. This can be accomplished by comparing rates here.

Car insurance premiums for a 1998 can fluctuate considerably subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Young drivers cost more
• Whether you are married
• Extra coverages like towing and rental
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so repair costs tend to be lower which can decrease annual premiums. Conversely, more recent vehicles may have safety features such as adaptive cruise control, pedestrian detection, and lane departure warning system which may lower rates.

Coverage for liability - 1998 liability coverage will cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. 1998 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.