Drivers have lots of options when insurance shopping for your vehicle. You can buy direct from your neighborhood insurance agent or price shop online to compare insurance costs of many different auto insurance companies. Finding cheaper auto insurance through online rate quotes is simple to do, plus you will probably save money.

Finding the best direct price on auto insurance can be difficult if you have never used online rate quotes. Don't let that stop you because there is an easy way to compare rates. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes comparing rates online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by the following

Insurance rates for your 1999 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Being married may save money
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• Having current coverage saves
• Home ownership saves money

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so the payout to repair will push premiums up. On the flip side, newer vehicles may have options like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may help offset higher rates.

Auto liability - 1999 liability coverage can cover damage or injury you incur to other's property or people that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision - This covers damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and may carry a deductible.