You have many choices when buying insurance for your vehicle. You can either buy through an insurance agent or get quotes online to compare pricing from insurance providers. Shopping for auto insurance by comparing rates online saves time, is easy to do, in addition you may find lower rates.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Finding lower can be quick and easy. You just have to spend a little time to compare quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Insurance premiums on a 1999 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. A newer vehicle have a higher replacement value compared to older models so the costs to repair will push premiums up. Conversely, new models have more advanced features such as a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Auto liability insurance - This provides protection from injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a 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 lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.