Finding cheaper car insurance online saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to take the time to get rates from all companies in order to accurately compare every company's rates.

Finding the best direct price on car insurance is challenging if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to compare rate quotes from local car insurance companies. The simplest method to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Insurance premiums on a 1999 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• The size of your community
• The number of annual miles
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the cost to replace them may end up costing you less. On the flip side, new models have more advanced features like a telematics system, adaptive cruise control, and anti-lock brakes which can help offset higher rates.

Liability coverage

This provides protection from damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1999 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not universally available and may carry a deductible.