Drivers have lots of options when finding cheaper insurance coverage on your vehicle. You can buy direct from an insurance agent or price shop online to compare pricing from insurance providers. Finding cheaper auto insurance by comparing rates online is simple to do, plus you may find lower rates.

Finding the best direct price on auto insurance can be difficult if you have never used online quoting. Don't let that stop you because we're going to show you how. Finding cheaper coverage prices can be quick and easy. All you need to do is take the time to compare quotes online with multiple companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by...

Insurance premiums for your 1998 can fluctuate considerably subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older models so the payout to repair may result in higher rates. But more recent vehicles have more advanced features including adaptive cruise control, lane departure warning system, and pedestrian detection which may provide discounts that lower premiums.

Auto liability insurance

1998 liability coverage will cover damage or injury you incur to other's property or people that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision protection

This will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of 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 should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.