You have many choices when shopping for insurance coverage for your vehicle. You can either buy through your neighborhood insurance agent or get quotes online to check prices from car insurance companies. Buying auto insurance from online rate quotes saves time, is easy to do, in addition you will probably save money.

Shopping online for auto insurance can be complicated if you are a beginner to quoting online. But don't let that discourage you because there is an easy way to compare rates. Getting better doesn't have to be difficult. Just take time comparing rates online from several insurance companies. This can be accomplished by completing this short form.

Criteria which help determine

Insurance rates for a 1998 can be significantly different and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• How many accidents you have had
• Multiple policies can save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having current coverage saves
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the costs to repair may end up costing you more. On the flip side, newer models may have options like a collision avoidance system, forward-collision avoidance, and active head restraints that may help give discounted rates.

Liability insurance - This protects you from injuries or damage you cause to other people or property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as large an amount as possible.

Collision coverage - Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage - Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.