You have many choices when looking for the best insurance on your vehicle. You can either buy through your neighborhood insurance agent or shop online to compare rates from car insurance companies. Comparing auto insurance from online rate quotes is easy, in addition you will probably save money.

Beginners to comparing rates may think finding affordable 1998 insurance is more work than they want to put in. Reducing your doesn't have to be difficult. All that's required is to spend a few minutes on the computer comparing rates from different insurance companies. This can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 1998 can fluctuate considerably based upon several criteria. A few of these criteria are:

• The performance level of your 1998
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Newer models have a higher value so repair costs are higher which may result in higher rates. But more recent vehicles may have options including an advanced theft deterrent system, forward-collision avoidance, and a backup camera which may lower rates.

Liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.