Comparing car insurance from online rate quotes saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can compare every company's rates.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways of comparing rates from different insurance companies. The simplest method to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Insurance premiums for a 1999 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 1999
• Your job
• The level of coverage
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so repair costs tend to be lower which may end up costing you less. Conversely, newer vehicles have more advanced features such as tire pressure monitors, anti-lock brakes, and forward-collision avoidance which can provide discounts that lower premiums.

Liability insurance

This can cover damage that occurs to other people or property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy higher limits if possible.

Coverage for collisions

This coverage covers damage to your caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 1999 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.