You have lots of choices when buying insurance for your vehicle. You can either contact your neighborhood insurance agent or get quotes online to compare rates from multiple insurance companies. Comparing car insurance on the web saves time, is easy to do and at the same time you will probably save money.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quotes. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The recommended way to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine your insurance rates?

Insurance rates paid to insure a 1999 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Your birth date
• Whether you are married
• Special coverage such as replacement cost
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the costs to repair may end up costing you less. Conversely, newer vehicles may have options such as tire pressure monitors, active head restraints, and pedestrian detection which can lower rates.

Liability car insurance - This can cover damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase higher limits if possible.

Collision coverage - This coverage covers damage to your from colliding with an object or car. You will need to pay your 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 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive car insurance - This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical expenses - Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.