You have lots of choices when looking for the best insurance on your vehicle. You can either contact your neighborhood insurance agent or go online to check prices from many different companies. Buying auto insurance from online companies can be fast and easy and at the same time you will probably save money.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of companies competing for your business. Reducing your is actually quite simple. All that's required is to spend a few minutes on the computer comparing rates provided by online insurance companies. This can be accomplished by completing this short form.

Which factors influence the rate you pay?

Insurance rates on a 1998 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 1998 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• No claims lowers premiums
• Having current coverage saves
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the cost to replace them will push premiums up. On the flip side, more recent vehicles may have options like forward-collision avoidance, automatic crash notification, and tire pressure monitors so those may give discounted rates.

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 1998 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.