There are many options when comparing insurance rates on your vehicle. You can either contact an insurance agent or go online to compare rates from insurance providers. Buying auto insurance by comparing rates online can be fast and easy and there is a good chance you may find lower rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of companies selling insurance. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Insurance premiums on a 1999 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 1999 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the cost to replace them may result in higher rates. But newer vehicles have more advanced features including forward-collision avoidance, adaptive cruise control, and active head restraints which may lower rates.

Auto liability insurance - This coverage can cover damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverages - Collision insurance covers damage to your resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage for your 1999 can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance - This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The most you'll receive from a claim 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.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.