You have many choices when trying to insure your vehicle. You can get prices from a local agent or price shop online to compare insurance costs of insurance providers. Finding cheaper auto insurance by comparing rates online is simple to do, in addition you might just save a little.

Finding the best direct price on auto insurance can be complicated if you have never used online rate quotes. Don't let that stop you because comparing prices is actually very simple. Finding a lower price on 1998 insurance can be quick and easy. You just have to take a little time to get quotes online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 1998 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the payout to repair will push premiums up. But more recent vehicles may have a trim level with safety features including dual-stage airbags, a rollover prevention system, and lane departure warning system so those may help offset higher rates.

Auto liability insurance

1998 liability coverage will cover injuries or damage you cause to other's property or people that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverage

This will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.