Drivers have lots of options when looking for the best insurance on your vehicle. You can buy direct from an agent or shop online to compare rates from lots of different providers. Finding cheaper car insurance through online providers is easy, plus you can save money.

Consumers who are new to the process of buying insurance may think buying cheap 1998 insurance is hard and time consuming. There are several ways to compare rate quotes and find the best price. The best way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these things

Car insurance premiums for a 1998 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your 1998
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Mature drivers pay less
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so repair costs tend to be lower which will push premiums down. Although new models may have safety features included like autonomous braking, tire pressure monitors, and lane departure warning system so those may lower rates.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. 1998 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

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 only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is not universally available and gives slightly broader coverage than med pay.