Drivers have lots of options when trying to insure your vehicle. You can get prices from a local agent or get quotes online to check prices from multiple companies. Buying auto insurance online saves time, is easy to do, plus you might just save a little.

Shopping online for auto insurance can be difficult if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Finding a lower price on 1999 insurance is not rocket science. You just have to take a little time to get quotes online from several insurance companies. This can be accomplished by completing this short form.

Rates are impacted by...

Auto insurance rates for a 1999 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having continuous coverage saves you money
• Home ownership saves money

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the costs to repair can inflate annual premiums. Although more recent vehicles may have a trim level with safety features included like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can give discounted rates.

Liability coverage

This will cover damage or injury you incur to other people or property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your 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. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.