Drivers have lots of options when insurance shopping for your vehicle. You can get prices from your neighborhood insurance agent or go online to compare rates from multiple insurance companies. Finding cheaper car insurance on the web can be fast and easy, plus you will probably save money.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to get quotes and find the best price. The easiest way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by...

Insurance rates paid to insure a 1999 can vary widely depending on several factors. Including but not limited to:

• Higher performance 1999 vehicles cost more
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Young drivers cost more
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your profession
• Insurance coverage level
• 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 a few years old have a lower value so the costs to repair may result in lower rates. Although more recent vehicles may have options included like pedestrian detection, active head restraints, and a backup camera which can lower rates.

Liability car insurance - This coverage will cover damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision - This will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper .

Comprehensive car insurance - This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.