You have many choices when comparing insurance rates on your vehicle. You can buy direct from your neighborhood insurance agent or get quotes online to check prices from companies. Buying auto insurance by quoting online saves time, is easy to do, in addition you will probably save money.

Shopping online for auto insurance can be complicated if you are a beginner to online quoting. But don't be discouraged because there is an easy way to compare rates. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes comparing rates online from several insurance companies. This can be accomplished by completing this short form.

Criteria which help determine insurance rates

Insurance rates on a 1999 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the costs to repair may result in higher rates. Although newer vehicles may have options included like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which may give discounted rates.

Liability coverages - This can cover injuries or damage you cause to people or other property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverages - Collision insurance covers damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 1999 can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper .

Comprehensive coverages - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments - Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.