Finding cheaper auto insurance by quoting online is easy, in addition you can save money. The key is getting rates from all companies in order to accurately compare the lowest priced insurance.

Consumers who are new to the process of comparing rates may think shopping for low-cost 1998 insurance is hard. Getting better is a fairly straight forward process. Just take time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine insurance rates

Car insurance premiums on 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 drivers pay higher rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are new have a higher actual cash value than older models so repair costs are higher which may end up costing you more. On the flip side, new models may have safety features like pedestrian detection, automatic crash notification, and tire pressure monitors that may help help offset higher rates.

Liability coverages - Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage - This 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 older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive coverages - This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when other motorists either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is not universally available and may carry a deductible.