Shopping for car insurance by quoting online is easy, in addition you might just save a little. The key is to get rates from as many companies as possible so you can compare every possible rate.

Consumers not familiar with comparing rates may think finding cut-rate 1998 insurance is hard. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The best way to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Auto insurance rates for your 1998 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Where you reside can make a big difference
• High miles vs. low miles
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. Although newer vehicles may have a trim level with safety features included like dual-stage airbags, sideview assist mirrors, and active head restraints which may provide discounts that lower premiums.

Liability coverages

Liability insurance can cover injuries or damage you cause to other's property or people by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage protection

Collision coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage 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, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is not an option in every state but can be used in place of medical payments coverage.