Comparing car insurance online is easy and at the same time you might just save a little. The key is to compare rates from all companies so you can get all your choices.

Beginners to comparison shopping may think buying low-cost 1998 insurance is very challenging. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The fastest way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Auto insurance rates on a 1998 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Your location impacts rates
• The number of annual miles
• Male rates may be higher
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the cost to replace them will push premiums down. Conversely, newer vehicles may have a trim level with safety features such as lane departure warning system, traction control, and autonomous braking so those may give discounted rates.

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Auto collision coverage

This coverage covers damage to your resulting from a collision with an object or car. You have to 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. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.