There are many options when buying insurance for your vehicle. You can either buy through an agent or get quotes online to check prices from many different companies. Shopping for car insurance from online companies saves time, is easy to do and there is a good chance you can save money.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quotes. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes and find the best price. The recommended way to find competitive consists of shopping online. This can be accomplished by completing this short form.

Car insurance premiums for your 1999 can vary widely and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your occupation
• Insurance coverage level
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so the payout to repair may end up costing you less. Although newer models may have safety features included like lane departure warning system, dual-stage airbags, and pedestrian detection which can give discounted rates.

Liability coverage - This protects you from damage that occurs to other's property or people by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - Collision coverage pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.