Shopping for auto insurance by quoting online is easy and at the same time you can save money. The key is getting rates from as many companies as possible in order to have the lowest rate quotes.

Consumers not familiar with comparison shopping may think shopping for cut-rate 1999 insurance is hard. Lowering your is a fairly straight forward process. You just need to take a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by comparing rates here.

What factors impact car insurance premiums?

Car insurance premiums for your 1999 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so repair costs are higher which may end up costing you more. But newer models may have safety features including lane departure warning system, anti-lock brakes, and adaptive headlights that may help lower rates.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision insurance

Collision coverage pays for damage to your resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not available in all states and gives slightly broader coverage than med pay.