Drivers have lots of options when looking for the best insurance on your vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare rates from lots of different providers. Buying auto insurance through online providers is easy, plus you will probably save money.

People who are new to buying insurance may think purchasing low-cost 1998 insurance is hard and time consuming. Reducing your is surprisingly easy. All that's required is to spend a few minutes on the computer comparing rates from different insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by these things

Insurance rates on a 1998 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 1998
• Any accidents you may have
• Multiple policies can save money
• Pleasure use vs. commuting use
• Mature drivers pay less
• Whether you are married
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Newer models cost more so repair costs are higher which can inflate annual premiums. But new models may have options including autonomous braking, tire pressure monitors, and lane departure warning system which can lower rates.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 1998 can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.