There are many options when finding cheaper insurance coverage on your vehicle. You can either contact an agent or price shop online to compare insurance costs of insurance providers. Finding cheaper auto insurance by comparing rates online is simple 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 have never used online rate quotes. Don't let that stop you because it's actually quite easy. Finding cheaper coverage prices can be quick and easy. All you need to do is take the time getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Car insurance premiums for your 1998 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are new have a higher actual cash value than older models so the payout to repair will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, lane departure warning system, and pedestrian detection so those may help offset higher rates.

Auto liability insurance

1998 liability coverage protects you from damage that occurs to other's property or people that is your fault. Liability insurance covers 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 much as you can afford.

Collision protection

This pays for damage to your resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage covers 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 maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not available in all states and may carry a deductible.