You have lots of choices when trying to insure your vehicle. You can either buy through a local agent or shop online to check prices from insurance providers. Shopping for car insurance by comparing rates online is easy and at the same time you might just save a little.

Consumers not familiar with comparison shopping may think finding affordable 1998 insurance is going to be difficult. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The quickest method to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

What factors impact ?

Auto insurance rates paid to insure a 1998 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 1998
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Special coverage such as replacement cost
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the costs to repair will push premiums down. 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 which may give discounted rates.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your from colliding with an object or car. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.