You have lots of choices when shopping for insurance coverage for your vehicle. You can buy direct from an agent or shop online to compare insurance costs of insurance carriers. Buying car insurance by getting online quotes is easy and at the same time you can save money.

People who are new to comparison shopping may think finding low-cost 1998 insurance is nearly impossible. There are several ways to get quotes and find the best price. The best method to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact ?

Car insurance premiums on a 1998 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 1998
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the cost to replace them will push premiums down. Although more recent vehicles may have safety features included like lane departure warning system, pedestrian detection, and tire pressure monitors which may help offset higher rates.

Liability - Liability insurance will cover damages or injuries you inflict on people or other property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your resulting from a collision with an object or car. A deductible applies 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 in order to get cheaper .

Comprehensive or Other Than Collision - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.