You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy direct from a local agent or shop online to compare insurance costs of many different companies. Buying car insurance from online companies is easy and at the same time you might just save a little.

People who are new to comparison shopping may think buying low-cost 1998 insurance can be quite difficult. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The simplest method to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

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

• The performance level of your 1998
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• 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 helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the cost to replace them will push premiums down. But newer vehicles may have a trim level with safety features including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system so those may help offset higher rates.

Liability coverage

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

Coverage for collisions

Collision insurance 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 vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

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

Protection from uninsured/underinsured drivers

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many 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 is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is not an option in every state and may carry a deductible.