Comparing car insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to compare as many rate quotes as possible so you can compare every possible rate.

Using the web to shop for car insurance direct is challenging if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The best way to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Auto insurance rates for a 1999 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• Your coverage level
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may end up costing you less. On the flip side, newer vehicles may have a trim level with safety features like tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes so those may provide discounts that lower premiums.

Auto liability

This can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Collision coverage protection

This coverage covers damage to your caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. 1999 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state but can be used in place of medical payments coverage.