There are many options when comparing insurance rates on your vehicle. You can either buy through an agent or get quotes online to compare pricing from a lot of auto insurance companies. Finding cheaper auto insurance through online companies saves time, is easy to do and there is a good chance you can save money.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to quoting online. Don't let that stop you because it's actually quite easy. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Car insurance premiums for your 1999 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Being married can lower rates
• Extra coverages like towing and rental
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor which can affect is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so the costs to repair may end up costing you more. On the flip side, more recent vehicles may have safety features like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera that may help provide discounts that lower premiums.

Coverage for liability - This will cover damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as large an amount as possible.

Collision coverages - This will pay to fix damage to your resulting from colliding with another car or object. You first must pay a deductible 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. Another option is to raise the deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.