You have many choices when insurance shopping for your vehicle. You can buy from a local agent or shop online to compare insurance costs of car insurance companies. Shopping for car insurance from online rate quotes is easy, in addition you might just save a little.

Consumers not familiar with comparing rates may think finding cut-rate 1998 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The easiest way to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 1998 can fluctuate considerably based upon several criteria. A few of these criteria are:

• The performance level of your 1998
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. But newer vehicles may have a trim level with safety features including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which may help offset higher rates.

Liability insurance - Liability insurance can cover injuries or damage you cause to other's property or people by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision - Collision coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is not an option in every state and may carry a deductible.