Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either buy through an insurance agent or price shop online to check prices from many different car insurance companies. Finding cheaper car insurance through online rate quotes is simple to do, plus you may find lower rates.

Finding the best direct price on car insurance can be difficult if you have never used online quoting. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. The best method to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by these factors

Insurance premiums for a 1999 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Your age
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so repair costs tend to be lower which can decrease annual premiums. Conversely, newer models have more advanced features such as an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may give discounted rates.

Auto liability - 1999 liability coverage protects you from damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision coverage - This pays for damage to your caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. 1999 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Med pay and PIP coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance program or if you do not have health coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.