There are many options when insurance shopping for your vehicle. You can buy from an insurance agent or get quotes online to compare pricing from a lot of car insurance companies. Comparing car insurance through online companies saves time, is easy to do and there is a good chance you may find lower rates.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online rate quotes. But relax because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The easiest way to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Insurance premiums paid to insure a 1999 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Young drivers cost more
• Being married can lower rates
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the costs to repair may end up costing you less. Conversely, more recent vehicles have more advanced features such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags so those may provide discounts that lower premiums.

Coverage for liability - This will cover damage that occurs to a person or their property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision - This coverage will pay to fix damage to your from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.