You have lots of choices when insurance shopping for your vehicle. You can get prices from an agent or shop online to compare pricing from many different auto insurance companies. Shopping for auto insurance through online rate quotes is easy and at the same time you can save money.

Consumers not familiar with comparison shopping may think buying low-cost 1998 insurance is going to be difficult. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. This is very easy and can be done by visiting this page.

What factors impact the rate you pay?

Car insurance premiums on a 1998 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 1998
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Mature drivers pay less
• Being married can lower rates
• Special coverage such as replacement cost
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so repair costs are higher which will push premiums up. Conversely, new models may have safety features such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may provide discounts that lower premiums.

Auto liability - Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision - Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. 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 older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive auto coverage - This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - This gives you protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not universally available but can be used in place of medical payments coverage.