Finding cheaper car insurance through online rate quotes is easy and there is a good chance you might just save a little. The key is to compare as many rate quotes as possible so you can compare every company's rates.

Consumers who are new to the process of shopping for insurance may think buying cheap 1999 insurance is going to be difficult. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The simplest method to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Auto insurance rates for a 1999 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• The size of your community
• How many miles you drive
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 1999
• What you do for a living
• The amount of protection requested
• 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 repair costs tend to be lower which will push premiums down. But new models may have a trim level with safety features including a backup camera, lane departure warning system, and traction control so those may provide discounts that lower premiums.

Auto liability

Liability insurance provides protection from damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. 1999 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.