Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either buy through a local agent or shop online to compare insurance costs of car insurance companies. Finding cheaper car insurance from online rate quotes is easy, plus you might just save a little.

Consumers who are new to the process of buying insurance may think shopping for low-cost 1998 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The best method to find the cheapest is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by the following

Auto insurance rates on a 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
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the cost to replace them will push premiums down. Although newer vehicles may have a trim level with safety features included like a collision avoidance system, forward-collision avoidance, and active head restraints that may help help offset higher rates.

Liability insurance - Liability insurance can cover damage or injury you incur to people or other property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - This covers damage to your resulting from a collision with a stationary object or other vehicle. You first must 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 in order to get cheaper .

Comprehensive protection - This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay 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.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP is not an option in every state and may carry a deductible.