Drivers have lots of options when attempting to insure your vehicle. You can buy direct from an agent or go online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes can be fast and easy, plus you can save money.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways of comparing rates from local car insurance companies. The fastest way to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by the following

Car insurance premiums for a 1999 can vary widely depending on several factors. Including but not limited to:

• Higher performance 1999 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Your birth date
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which may result in lower rates. On the flip side, newer vehicles may have safety features like autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can lower rates.

Auto liability

This coverage can cover damage or injury you incur to other people or property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Auto collision coverage

Collision coverage covers damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 1999 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.