You have many choices when trying to insure your vehicle. You can either contact an agent or price shop online to compare insurance costs of car insurance companies. Comparing car insurance from online rate quotes is simple to do, in addition you can save money.

Using the web to shop for car insurance direct can be complicated if you have never used quoting online. But don't let that discourage you because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The quickest method to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Car insurance premiums for a 1999 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so repair costs tend to be lower which can decrease annual premiums. But more recent vehicles may have safety features including adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system that may help help offset higher rates.

Liability insurance

1999 liability coverage will cover injuries or damage you cause to other people or property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Collision coverage

This coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. 1999 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.