There are many options when finding cheaper insurance coverage on your vehicle. You can buy from a local agent or get quotes online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes saves time, is easy to do and there is a good chance you might just save a little.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online rate quotes. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The easiest way by far to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Auto insurance rates paid to insure a 1999 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Extra coverages like towing and rental
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the costs to repair may end up costing you less. Conversely, new models may have a trim level with safety features such as traction control, adaptive headlights, and automatic crash notification so those may lower rates.

Liability

This provides protection from damage that occurs to a person or their property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as much as you can afford.

Collision protection

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.