Shopping for car insurance on the web is easy, in addition you might just save a little. The key is to compare rates from as many companies as possible in order to accurately compare all your choices.

Consumers not familiar with comparing rates may think buying cut-rate 1999 insurance is not very easy. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The fastest way to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 1999 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Where you reside can make a big difference
• High miles vs. low miles
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. But newer models may have a trim level with safety features including automatic crash notification, anti-lock brakes, and a backup camera so those may help offset higher rates.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other's property or people by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to 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 vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.