There are many options when shopping for insurance coverage for your vehicle. You can either buy through your neighborhood insurance agent or shop online to compare rates from car insurance companies. Finding cheaper auto insurance from online rate quotes is easy and there is a good chance you will probably save money.

Consumers who are new to the process of shopping for insurance may think buying cut-rate 1998 insurance is more work than they want to put in. Getting better doesn't have to be difficult. Just take time comparing rates from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance rates for your 1998 will vary greatly based upon several criteria. Some of these factors include:

• The performance level of your 1998
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• No claims lowers premiums
• Having continuous coverage saves you money
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Newer models have a higher actual cash value so repair costs are higher which will push premiums up. Although newer vehicles may have options included like a collision avoidance system, forward-collision avoidance, and active head restraints so those may lower rates.

Liability insurance - Liability insurance can cover damage that occurs to other's property or people that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - This covers damage to your resulting from colliding with another car or object. You have to pay a deductible 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 8 years or older. You can also choose a higher deductible in order to get cheaper .

Comprehensive protection - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is not an option in every state and gives slightly broader coverage than med pay.