Finding cheaper auto insurance by getting online quotes is easy, in addition you might just save a little. The key is to get rates from as many companies as possible so you can compare the cheapest rate quotes.

Consumers who are new to the process of comparing rates may think finding cut-rate 1999 insurance is nearly impossible. Finding lower can be relatively painless. You just have to spend a little time to get quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine your insurance rates

Auto insurance rates for your 1999 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Having current coverage saves
• Owning a home can lower rates

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so repair costs are higher which may result in higher rates. On the flip side, new models may have a trim level with safety features like anti-lock brakes, adaptive headlights, and adaptive cruise control which may provide discounts that lower premiums.

Liability - Liability insurance provides protection from injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when other motorists either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. PIP is not universally available but can be used in place of medical payments coverage.