You have many choices when insurance shopping for your vehicle. You can buy direct from an agent or shop online to compare rates from many different companies. Shopping for auto insurance from online companies is easy, in addition you can save money.

Consumers not familiar with comparing rates may think shopping for cut-rate 1999 insurance can be quite difficult. Cutting your is actually quite simple. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. 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 be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 1999
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so repair costs are higher which may end up costing you more. Conversely, newer vehicles may have safety features such as anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system that may help lower rates.

Liability coverage - Liability insurance can cover injuries or damage you cause to other's property or people by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision - Collision coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a 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 to bring the cost down.

Comprehensive coverage - 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 highest amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP 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 do not have health coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.