Comparing auto insurance by quoting online is easy, in addition you can save money. The key is to take the time to get rates from all providers in order to accurately compare the lowest prices.

Beginners to comparing rates may think purchasing affordable 1998 insurance is hard. Cutting your is a fairly straight forward process. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. This can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 1998 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so repair costs are higher which can inflate annual premiums. Conversely, more recent vehicles may have safety features such as all-wheel drive, a rollover prevention system, and adaptive headlights which can help offset higher rates.

Liability coverages - Liability insurance will cover injuries or damage you cause to a person or their property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision - This coverage will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverages - This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout 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.

UM/UIM Coverage - This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.