You have lots of choices when trying to insure your vehicle. You can buy direct from an agent or get quotes online to compare insurance costs of many different companies. Buying auto insurance from online companies saves time, is easy to do and at the same time you can save money.

Shopping online for auto insurance is challenging if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. Finding a lower price on 1999 insurance is actually quite simple. You just have to take a little time getting comparison quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

What factors determine ?

Car insurance premiums for your 1999 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so the costs to repair may result in higher rates. But newer models may have safety features including lane departure warning system, dual-stage airbags, and sideview assist mirrors which may help offset higher rates.

Liability coverage

This protects you from damages or injuries you inflict on other's property or people in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage

Collision insurance pays for damage to your resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.