You have lots of choices when buying insurance for your vehicle. You can either buy through an agent or go online to check prices from many different companies. Comparing auto insurance from online companies can be fast and easy and at the same time you can save money.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites offering insurance. Finding lower is actually quite simple. You just have to spend a little time getting comparison quotes provided by online insurance companies. This can be done by completing this short form.

Which factors influence ?

Car insurance premiums for your 1999 can fluctuate considerably depending on several factors. Taken into consideration are:

• Higher performance 1999 vehicles cost more
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your claim history
• Having continuous coverage saves you money
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the cost to replace them may result in higher rates. Although more recent vehicles may have safety features included like lane departure warning system, dual-stage airbags, and pedestrian detection which may give discounted rates.

Liability coverage - This coverage will cover damages or injuries you inflict on other's property or people. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.