You have lots of choices when buying insurance for your vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare rates from lots of different providers. Comparing auto insurance through online providers is easy and at the same time you will probably save money.

Beginners to comparison shopping may think buying affordable 1999 insurance is hard and time consuming. Finding lower is surprisingly easy. You just have to spend a little time comparing rates from different insurance companies. This can be done by comparing rates here.

What factors impact the rate you pay?

Insurance rates paid to insure a 1999 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 1999
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Mature drivers pay less
• Whether you are married
• Special coverage such as replacement cost
• No claims lowers premiums
• Having current coverage saves
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Newer models have a higher value so repair costs are higher which will push premiums up. On the flip side, new models may have options like active head restraints, an advanced theft deterrent system, and lane departure warning system so those may lower rates.

Liability auto insurance - Liability insurance provides protection from damages or injuries you inflict on a person or their property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive (Other than Collision) - This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP is not universally available and gives slightly broader coverage than med pay.