There are many options when insurance shopping for your vehicle. You can either buy through an insurance agent or go online to check prices from a lot of auto insurance companies. Buying auto insurance through online companies can be fast and easy and there is a good chance you may find lower rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Cutting your is not a difficult process. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. This can be accomplished by completing this short form.

Insurance premiums for your 1998 will vary greatly depending on several factors. Some of these factors include:

• Higher performance 1998 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Having a spouse can save money
• Extra coverages like towing and rental
• Whether or not you have claims
• No coverage lapses saves money
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the cost to replace them will push premiums up. Conversely, more recent vehicles have more advanced features such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags so those may give discounted rates.

Coverage for liability - This coverage will cover damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as much as you can afford.

Collision - Collision insurance will pay to fix damage to your resulting from colliding with another car or object. You have to pay a 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 lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.