Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an agent or go online to check prices from companies. Buying car insurance by quoting online can be fast and easy, plus you can save money.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to compare quotes and find the best price. The recommended way to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by these factors

Car insurance premiums for a 1998 can vary widely depending on several factors. Including but not limited to:

• Higher performance 1998 vehicles cost more
• Any accidents you may have
• Multiple policies can save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so repair costs tend to be lower which may result in lower rates. Although newer models may have safety features included like tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can give discounted rates.

Liability coverages - This coverage protects you from damage or injury you incur to other people or property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverage - Collision insurance pays for damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 1998 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments - Med pay and PIP coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.