You have many choices when shopping for insurance coverage for your vehicle. You can either buy through an agent or go online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes can be fast and easy, in addition you can save money.

If you are a novice to online car insurance shopping, you may be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways to compare quotes from local car insurance companies. The best method to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Car insurance premiums for your 1999 can fluctuate considerably depending on several factors. A few of these criteria are:

• Higher performance 1999 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the payout to repair may result in lower rates. On the flip side, newer models may have safety features like lane departure warning system, pedestrian detection, and tire pressure monitors which may lower rates.

Liability - This coverage protects you from injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage - This pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.