Comparing auto insurance from online rate quotes is easy and at the same time you will probably save money. The key is to get rates from all companies so you can compare the cheapest rate quotes.

Beginners to comparison shopping may think finding low-cost 1998 insurance is more work than they want to put in. Finding lower doesn't have to be difficult. You just have to spend a little time comparing rates from different insurance companies. This can be done by visiting this page.

What factors impact ?

Insurance rates on a 1998 can fluctuate considerably based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. A newer vehicle have a higher value so repair costs are higher which may result in higher rates. But more recent vehicles may have options including adaptive cruise control, anti-lock brakes, and active head restraints which may provide discounts that lower premiums.

Liability insurance - Liability insurance will cover damages or injuries you inflict on people or other property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1998 can be pricey, 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 protection - This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.