Comparing car insurance by comparing rates online is simple to do and at the same time you can save money. The critical component is to compare rates from as many companies as possible so you can get every possible rate.

Using the web to shop for car insurance direct is challenging if you have never used online rate quotes. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The best way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What influences the rate you pay?

Car insurance premiums for your 1999 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Your location impacts rates
• High miles vs. low miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the payout to repair can decrease annual premiums. Conversely, newer models may have safety features such as a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors so those may give discounted rates.

Auto liability insurance

1999 liability coverage protects you from damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage protection

This coverage pays for damage to your resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.