There are many options when attempting to insure your vehicle. You can either buy through an insurance agent or shop online to compare pricing from lots of different providers. Finding cheaper car insurance through online providers is easy and there is a good chance you may find lower rates.

Consumers who are new to the process of shopping for insurance may think finding low-cost 1998 insurance is hard and time consuming. The are a couple different ways of comparing rates from car insurance companies in your area. The fastest way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Insurance premiums on a 1998 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 1998
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your birth date
• Being married can lower rates
• Extra coverages like towing and rental
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new models so the cost to replace them will push premiums down. But newer vehicles have more advanced features including active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control which may provide discounts that lower premiums.

Liability auto insurance

Liability insurance can cover damage that occurs to people or other property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Auto collision coverage

This covers damage to your resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1998 can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not an option in every state but can be used in place of medical payments coverage.