You have many choices when shopping for insurance coverage for your vehicle. You can buy direct from an insurance agent or go online to compare insurance costs of car insurance companies. Buying auto insurance from online rate quotes can be fast and easy, in addition you may find lower rates.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies selling insurance. Getting better doesn't have to be difficult. Just take time to compare quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 1999 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 1999 vehicles cost more
• Any accidents you may have
• Multiple policies can save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older models so the cost to replace them can inflate annual premiums. But more recent vehicles have more advanced features including a collision avoidance system, forward-collision avoidance, and active head restraints which can help offset higher rates.

Liability insurance - This coverage will cover injuries or damage you cause to a person or their property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage - Collision insurance will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection - This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the ACV or 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 coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.