Shopping for auto insurance through online providers is easy, in addition you might just save a little. The key is getting rates from all providers so you can get the lowest priced insurance.

Consumers not familiar with comparing rates may think shopping for affordable 1998 insurance is hard and time consuming. Getting better is surprisingly easy. Just take time to get quotes from different insurance companies. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 1998 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so repair costs are higher which may end up costing you more. Conversely, newer vehicles may have a trim level with safety features such as all-wheel drive, a telematics system, and autonomous braking that may help give discounted rates.

Liability auto insurance - Liability insurance can cover injuries or damage you cause to a person or their 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 consider buying as large an amount as possible.

Collision coverage - Collision coverage covers damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) - This pays to fix your vehicle from 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 highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Coverage for medical payments and/or PIP provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.