You have many choices when insurance shopping for your vehicle. You can buy direct from a local agent or go online to compare insurance costs of insurance carriers. Comparing car insurance by getting online quotes can be fast and easy, in addition you might just save a little.

If you've never shopped for car insurance online, you may be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The easiest way to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 1998 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 1998 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the payout to repair may result in lower rates. Although newer models may have a trim level with safety features included like a telematics system, all-wheel drive, and adaptive headlights which can help offset higher rates.

Liability - This coverage protects you from injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision - This coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This coverage provides protection from other motorists when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance - Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states and may carry a deductible.