Finding cheaper car insurance through online companies is easy, in addition you may find lower rates. The key is getting as many rate quotes as possible in order to have the lowest rate quotes.

Consumers who are new to the process of comparing rates may think shopping for cheap 1998 insurance is difficult. The are a couple different ways of comparing rates from local car insurance companies. By far the easiest way to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 1998 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your job
• Your coverage level
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so repair costs tend to be lower which will push premiums down. On the flip side, newer vehicles have more advanced features like a telematics system, a collision avoidance system, tire pressure monitors, and traction control that may help lower rates.

Coverage for liability

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision insurance

This covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. 1998 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.