You have lots of choices when attempting to insure your vehicle. You can buy direct from your neighborhood insurance agent or go online to compare rates from car insurance companies. Finding cheaper car insurance from online rate quotes can be fast and easy and at the same time you will probably save money.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The fastest way to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

Which factors influence the rate you pay?

Insurance rates for a 1999 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 1999 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Special coverage such as replacement cost
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a reduced actual cash value so repair costs tend to be lower which may result in lower rates. But more recent vehicles may have options including forward-collision avoidance, adaptive cruise control, and lane departure warning system so those may lower rates.

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Auto collision coverage

This will pay to fix damage to your caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 1999 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.