You have lots of choices when finding cheaper insurance coverage on your vehicle. You can either contact an agent or shop online to check prices from many different car insurance companies. Shopping for car insurance through online rate quotes is easy and at the same time you can save money.

Consumers not familiar with comparison shopping may think buying low-cost 1998 insurance is going to be difficult. There are several ways of comparing rates from car insurance companies in your area. The easiest way by far to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Car insurance premiums on a 1998 will vary greatly based upon several criteria. Taken into consideration are:

  • The performance level of your 1998
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Your birth date
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • Your occupation
  • The amount of protection requested
  • Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the cost to replace them will push premiums down. But newer vehicles may have safety features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system so those may give discounted rates.

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision protection

Collision coverage covers damage to your resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 1998 can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.