Shopping for auto insurance online is easy and at the same time you might just save a little. The key is getting rates from all providers so you can get the cheapest rate quotes.

Consumers not familiar with comparison shopping may think shopping for affordable 1998 insurance is very challenging. Finding lower is not rocket science. You just have to spend a little time to get quotes from different insurance companies. This is very easy and can be done by completing this short form.

What factors impact car insurance premiums?

Auto insurance rates paid to insure a 1998 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Your vehicle's safety rating
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so repair costs are higher which may end up costing you more. Conversely, newer vehicles may have a trim level with safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help give discounted rates.

Liability coverage - Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - Collision coverage covers damage to your from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, 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 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 highest 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.

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. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

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 to cover expenses not covered by your health insurance policy 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.