You have lots of choices when shopping for insurance coverage for your vehicle. You can get prices from your neighborhood insurance agent or shop online to compare pricing from multiple insurance companies. Buying auto insurance on the web is easy and at the same time you will probably save money.

People who are new to comparison shopping may think buying cheap 1998 insurance is not very easy. Getting better isn't really that difficult. Just take time comparing rates from different insurance companies. This can be accomplished by visiting this page.

What factors impact the rate you pay?

Insurance rates for a 1998 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 1998
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Your birth date
• Being married can lower rates
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. A newer vehicle cost more so repair costs are higher which will push premiums up. Conversely, newer vehicles may have options such as dual-stage airbags, a telematics system, and pedestrian detection so those may provide discounts that lower premiums.

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

Collision coverage - Collision insurance covers damage to your caused by collision with an object or car. 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. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for medical expenses - Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.