Shopping for auto insurance online saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is getting as many rate quotes as possible so you can get every possible rate.

Comparing auto insurance rates direct online is challenging if you are a beginner to quoting online. But don't let that discourage you because there is an easy way to compare rates. Reducing your is not rocket science. All that's required is to spend a few minutes on the computer comparing rates online from several insurance companies. This is very easy and can be done by completing this short form.

What factors determine car insurance premiums?

Insurance rates for a 1999 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Where you reside can make a big difference
• How many miles you drive
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so the costs to repair may end up costing you more. Conversely, newer models may have options such as forward-collision avoidance, tire pressure monitors, and autonomous braking that may help give discounted rates.

Liability coverage

This protects you from damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. 1999 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.