Drivers have lots of options when shopping for car insurance for your vehicle. You can buy direct from an agent or get quotes online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes saves time, is easy to do, plus you can save money.

Finding the best direct price on car insurance can be difficult if you are a beginner to online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. By far the easiest way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these things

Car insurance premiums on a 1998 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Mature drivers pay less
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so the cost to replace them may end up costing you less. But new models may have safety features including adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance so those may lower rates.

Auto liability

This provides protection from damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as much as you can afford.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1998 can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.