You have lots of choices when insurance shopping for your vehicle. You can buy from a local agent or shop online to check prices from car insurance companies. Finding cheaper car insurance from online rate quotes is easy and at the same time you might just save a little.

Consumers who are new to the process of comparison shopping may think shopping for low-cost 1999 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The easiest way to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What factors impact car insurance premiums?

Auto insurance rates on a 1999 can be significantly different based upon several criteria. Taken into consideration are:

• The performance level of your 1999
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the cost to replace them will push premiums down. Conversely, newer models may have a trim level with safety features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help give discounted rates.

Liability insurance - Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision - This pays for damage to your resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 1999 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive protection - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.