Drivers have lots of options when comparing insurance rates on your vehicle. You can buy direct from a local agent or shop online to compare pricing from many different companies. Finding cheaper auto insurance from online companies is easy, plus you might just save a little.

Consumers who are new to the process of buying insurance may think buying low-cost 1998 insurance can be quite difficult. Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by the following

Auto insurance rates on a 1998 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your 1998
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so repair costs are higher which will push premiums up. But newer vehicles may have a trim level with safety features including autonomous braking, dual-stage airbags, and sideview assist mirrors so those may provide discounts that lower premiums.

Liability coverage - Liability insurance can cover damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverages - This covers damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 1998 can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage - This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is not an option in every state but can be used in place of medical payments coverage.