Drivers have lots of options when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or shop online to check prices from multiple companies. Comparing auto insurance online is easy, plus you will probably save money.

Beginners to buying insurance may think shopping for cheap 1998 insurance is very challenging. Cutting your is not rocket science. Drivers just need to take a couple of minutes comparing rates from different insurance companies. This can be done by completing this short form.

Rates are determined by...

Insurance rates for a 1998 can be significantly different based upon several criteria. Including but not limited to:

• The performance level of your 1998
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• No coverage lapses saves money
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so repair costs are higher which may end up costing you more. Conversely, more recent vehicles may have options such as a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection that may help give discounted rates.

Liability coverage - Liability insurance will cover damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision - This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You first must 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. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance pays to fix your vehicle from 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 highest amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.