Drivers have lots of options when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or price shop online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes is simple to do, plus you may find lower rates.

Finding the best direct price on car insurance can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes and find the best price. One of the best ways to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these things

Insurance premiums for your 1998 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your job
• Insurance coverage level
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the payout to repair can decrease annual premiums. Although new models have more advanced features included like autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which can lower rates.

Auto liability - 1998 liability coverage provides protection from damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverages - This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive auto coverage - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.