You have many choices when trying to insure your vehicle. You can get prices from an agent or shop online to compare pricing from a lot of car insurance companies. Buying car insurance through online companies is easy, in addition you can save money.

People who are new to comparing rates may think finding cut-rate 1998 insurance is difficult. There are several ways to compare quotes from car insurance companies in your area. The quickest method to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Car insurance premiums 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
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your age
• Being married can lower rates
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Older models have a much lower replacement value than newer models so the payout to repair will push premiums down. But newer models may have safety features including a telematics system, adaptive cruise control, and traction control which may provide discounts that lower premiums.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to other's property or people in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage

Collision insurance pays for 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 older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix 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 most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the "other guys" do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is not available in all states but can be used in place of medical payments coverage.