There are many options when attempting to insure your vehicle. You can buy from a local agent or get quotes online to compare rates from a lot of car insurance companies. Finding cheaper car insurance through online companies saves time, is easy to do and there is a good chance you might just save a little.

Finding the best direct price on car insurance can be a challenge if you are a beginner to quoting online. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The fastest way to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Auto insurance rates paid to insure a 1999 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Your age
• Whether you are married
• Extra coverages like towing and rental
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the costs to repair may end up costing you less. Conversely, newer models may have a trim level with safety features such as pedestrian detection, a collision avoidance system, and adaptive headlights that may help lower rates.

Coverage for liability

This protects you from damage that occurs to a person or their property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Auto collision coverage

This pays for damage to your from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.