Finding cheaper car insurance through online rate quotes is easy and there is a good chance you will probably save money. The key is getting as many rate quotes as possible so you can compare the lowest priced insurance.

Consumers who are new to the process of shopping for insurance may think shopping for cheap 1998 insurance is going to be difficult. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The best method to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Insurance rates for a 1998 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 1998
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old cost less so repair costs tend to be lower which will push premiums down. But newer models may have options including an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors that may help provide discounts that lower premiums.

Auto liability - Liability insurance protects you from damage that occurs to other people or property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision coverage - This pays for damage to your caused by collision with another car or object. 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. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage - Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but can be used in place of medical payments coverage.