You have many choices when insurance shopping for your vehicle. You can get prices from your neighborhood insurance agent or shop online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes is easy, in addition you will probably save money.

Consumers not familiar with comparing rates may think shopping for low-cost 1998 insurance is going to be difficult. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes comparing rates from different insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance rates on a 1998 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 1998
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Mature drivers pay less
• Whether you are married
• Optional coverages like vehicle replacement
• No claims lowers premiums
• No coverage lapses saves money
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so repair costs are higher which may end up costing you more. Conversely, new models may have options such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help lower rates.

Auto liability - Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision - Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must 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 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive auto coverage - This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. 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 bills for things like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not universally available and gives slightly broader coverage than med pay.