Finding cheaper car insurance by getting online quotes is easy and at the same time you can save money. The key is getting rates from as many companies as possible in order to accurately compare the lowest priced insurance.

Consumers who are new to the process of comparison shopping may think shopping for cut-rate 1998 insurance is nearly impossible. There are several ways to compare quotes and find the best price. The best method to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact car insurance premiums?

Car insurance premiums for your 1998 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the payout to repair will push premiums down. Although newer models may have safety features included like lane departure warning system, pedestrian detection, and tire pressure monitors that may help help offset higher rates.

Liability - Liability insurance protects you from damages or injuries you inflict on other's property or people that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage - This pays for damage to your resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not available in all states and may carry a deductible.