Comparing auto insurance from online companies is easy, in addition you will probably save money. The key is to compare as many rate quotes as possible in order to accurately compare every option.

Beginners to comparing rates may think buying cheap 1998 insurance can be quite difficult. Finding a lower price on 1998 insurance is actually quite simple. You just have to take a little time comparing rates from different insurance companies. This can be done by getting a quick quote here.

Criteria which help determine

Insurance rates for a 1998 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Your location impacts rates
• How many miles you drive
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Models that are new have a higher value so repair costs are higher which will push premiums up. Although more recent vehicles may have options included like lane departure warning system, dual-stage airbags, and sideview assist mirrors so those may help offset higher rates.

Liability coverage

Liability insurance will cover injuries or damage you cause to other people or property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage

This coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. 1998 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.