You have many choices when buying insurance for your vehicle. You can either buy through an agent or price shop online to compare rates from multiple companies. Shopping for car insurance online is simple to do, in addition you can save money.

Comparing car insurance rates direct online can be complicated 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 compare quotes from local car insurance companies. The recommended way to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 1998 can fluctuate considerably subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer models may have safety features like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which may lower rates.

Liability coverage - 1998 liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverage - Collision coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. 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 get cheaper .

Comprehensive coverage - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.