Comparing auto insurance on the web is easy and there is a good chance you might just save a little. The key is getting as many rate quotes as possible in order to have the cheapest rate quotes.

Beginners to shopping for insurance may think shopping for cheap 1999 insurance is not very easy. Finding lower isn't really that difficult. You just have to spend a little time to get quotes from different insurance companies. This can be done by comparing rates here.

Auto insurance rates for a 1999 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 1999
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that can impact is the model year. Newer models have a higher value in comparison to later models so repair costs are higher which may end up costing you more. Although newer vehicles may have a trim level with safety features included like tire pressure monitors, active head restraints, and pedestrian detection that may help lower rates.

Liability car insurance - Liability insurance can cover damage that occurs to other people or property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - This coverage covers damage to your caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder. 1999 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive auto insurance - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is not an option in every state and gives slightly broader coverage than med pay.