You have lots of choices when trying to find low-cost insurance for your vehicle. You can either buy through a local agent or get quotes online to compare insurance costs of companies. Comparing car insurance by quoting online saves time, is easy to do and at the same time you might just save a little.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The simplest method to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Auto insurance rates for a 1999 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may end up costing you less. Conversely, newer vehicles may have a trim level with safety features such as tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights which can help offset higher rates.

Liability coverages

This can cover damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Coverage for collisions

This coverage covers damage to your caused by collision with an object or car. 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 vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout 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 it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They 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 and may carry a deductible.