You have many choices when shopping for car insurance for your vehicle. You can get prices from an agent or shop online to compare rates from a lot of car insurance companies. Finding cheaper car insurance through online companies is easy, in addition you can save money.

Consumers who are new to the process of comparing rates may think purchasing cut-rate 1999 insurance is difficult. There are several ways to compare quotes and find the best price. By far the easiest way to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Car insurance premiums for your 1999 can vary widely based upon several criteria. A few of these criteria are:

• The performance level of your 1999
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your age
• Whether you are married
• Optional coverages like vehicle replacement
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the payout to repair will push premiums down. Although newer models may have safety features included like a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can lower rates.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to other's property or people that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision insurance

This pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for 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 maximum payout a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.