Comparing car insurance through online companies is easy and there is a good chance you will probably save money. The key is to take the time to get rates from all companies so you can get the lowest rate quotes.

Beginners to shopping for insurance may think purchasing low-cost 1998 insurance is difficult. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find competitive involves getting comparison quotes online. This can be accomplished by completing this short form.

Insurance rates on a 1998 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 1998
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles cost less so the cost to replace them will push premiums down. But new models may have options including a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can give discounted rates.

Coverage for liability

Liability insurance provides protection from damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your 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. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from 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 payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.