You have many choices when insurance shopping for your vehicle. You can buy from your neighborhood insurance agent or go online to compare pricing from multiple companies. Finding cheaper auto insurance online can be fast and easy, in addition you will probably save money.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of auto insurance companies competing for your business. Cutting your is not rocket science. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine

Insurance rates for a 1998 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 1998 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. A newer vehicle have a higher actual cash value so the cost to replace them will push premiums up. But newer models may have options including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Liability coverage - This coverage protects you from injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision - This pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. 1998 collision insurance is rather expensive coverage, so you might think about 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 coverage - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This 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, 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 - Med pay and PIP coverage pay for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.