You have many choices when shopping for insurance coverage for your vehicle. You can either buy through your neighborhood insurance agent or shop online to compare rates from many different companies. Shopping for auto insurance from online companies is easy, in addition you will probably save money.

Consumers not familiar with comparing rates may think finding cheap 1998 insurance can be quite difficult. Getting better is actually quite simple. Just take time comparing rates from different insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance rates for a 1998 can fluctuate considerably based upon several criteria. A few of these criteria are:

• The performance level of your 1998
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so repair costs are higher which may result in higher rates. But newer vehicles may have options including autonomous braking, tire pressure monitors, and dual-stage airbags which may lower rates.

Liability coverage - Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage - Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies 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. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays for 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 most a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.