Finding cheaper car insurance on the web is easy, plus you can save money. The key is to get as many rate quotes as possible in order to accurately compare all possible prices.

Consumers who are new to the process of buying insurance may think finding cheap 1998 insurance is not very easy. There are several ways to compare quotes from different insurance companies. The easiest way by far to find the cheapest is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by these factors

Car insurance premiums for a 1998 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 1998
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so repair costs tend to be lower which will push premiums down. Conversely, newer models may have safety features such as adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system which may help offset higher rates.

Liability car insurance

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision protection

This pays for damage to your caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. 1998 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP is not available in all states and may carry a deductible.