Buying car insurance through online companies saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to take the time to get rates from all companies so you can get the lowest rate quotes.

Shopping online for car insurance can be complicated if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. By far the easiest way to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on a 1999 can vary widely and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• Low deductibles cost more
• 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 helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the cost to replace them may end up costing you less. But newer models may have a trim level with safety features including a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can give discounted rates.

Coverage for liability

This protects you from injuries or damage you cause to people or other property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying higher limits if possible.

Collision insurance

Collision insurance pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. 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 vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Med pay and PIP coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.