Drivers have lots of options when finding cheaper insurance coverage on your vehicle. You can either contact your neighborhood insurance agent or shop online to compare rates from multiple insurance companies. Buying car insurance on the web is easy, plus you will probably save money.

People who are new to buying insurance may think shopping for cut-rate 1998 insurance is not very easy. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The easiest way by far to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted by the following

Insurance rates for your 1998 can be significantly different based upon several criteria. Including but not limited to:

• The performance level of your 1998
• How many accidents you have had
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a lower value so the payout to repair will push premiums down. But newer vehicles may have options including adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system that may help lower rates.

Liability car insurance

Liability insurance can cover damage or injury you incur to other's property or people in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision protection

Collision insurance covers damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible 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 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount your car insurance company will pay 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 or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.