Buying car insurance from online companies 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 company's rates.

People who are new to comparing rates may think finding cut-rate 1998 insurance can be quite difficult. When shopping for car insurance there are multiple ways to get quotes and find the best price. The simplest method to find the lowest is to get quotes 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 live
• High miles vs. low miles
• Men typically pay more than women
• 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 helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. Although more recent vehicles may have a trim level with safety features included like autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which may provide discounts that lower premiums.

Liability coverage

Liability insurance will cover injuries or damage you cause to other's property or people in 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.

Coverage for collisions

Collision insurance will pay to fix 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 coverage

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 not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Since 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 very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage 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 only offered in select states but can be used in place of medical payments coverage.