Comparing auto insurance by comparing rates online is easy, in addition you can save money. The key is to get rates from all companies in order to accurately compare every company's rates.

Beginners to comparing rates may think finding low-cost 1999 insurance is going to be difficult. Getting lower can be quick and easy. The only thing you need to do is invest a little time getting comparison quotes from different insurance companies. This can be done by getting a quick quote here.

Criteria which help determine insurance rates

Car insurance premiums on a 1999 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Your location impacts rates
• The number of annual miles
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so repair costs are higher which may result in higher rates. But more recent vehicles may have safety features including blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system which may help offset higher rates.

Auto liability insurance

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

Coverage for collisions

This coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1999 can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.