There are many options when trying to insure your vehicle. You can buy from an agent or get quotes online to check prices from a lot of auto insurance companies. Finding cheaper auto insurance through online companies saves time, is easy to do and there is a good chance you can save money.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quoting. But don't let that discourage you because it's actually quite easy. Finding a lower price on 1998 insurance is not a difficult process. You just have to take a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Car insurance premiums for a 1998 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Your birth date
• Having a spouse can save money
• Extra coverages like towing and rental
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so the costs to repair may result in higher rates. But newer vehicles may have safety features including a telematics system, adaptive cruise control, and traction control which may give discounted rates.

Coverage for liability

This can cover damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage

This covers damage to your caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. 1998 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.