Comparing auto insurance from online rate quotes is easy, in addition you can save money. The key is to take the time to get rates from all providers in order to accurately compare the best prices.

Beginners to comparing rates may think purchasing affordable 1998 insurance is more work than they want to put in. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 1998 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so repair costs are higher which can inflate annual premiums. Although more recent vehicles may have safety features included like a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system which can help offset higher rates.

Liability insurance - Liability insurance will cover injuries or damage you cause to a person or their property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverages - This coverage will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive protection - This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.