You have lots of choices when insurance shopping for your vehicle. You can get prices from a local agent or go online to compare pricing from car insurance companies. Shopping for auto insurance from online rate quotes can be fast and easy and at the same time you might just save a little.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of auto insurance companies vying for your business. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Which factors influence the rate you pay?

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

• Higher performance 1998 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Special coverage such as replacement cost
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the cost to replace them will push premiums up. Although newer vehicles may have a trim level with safety features included like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may provide discounts that lower premiums.

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

Collision - Collision coverage covers damage to your caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 1998 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive protection - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.