Shopping for auto insurance on the web can be fast and easy, in addition you may find lower rates. The most important part is to get rates from as many companies as possible so you can get the best prices.

If shopping for auto insurance online is new to you, you may be confused by the hoards of online auto insurance companies and websites selling insurance. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes to compare quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Criteria which help determine your insurance rates

Insurance premiums for your 1999 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the cost to replace them may result in higher rates. But newer models have more advanced features including a telematics system, lane departure warning system, and tire pressure monitors which may give discounted rates.

Liability car insurance - This coverage protects you from injuries or damage you cause to other's property or people by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverages - Collision coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses - Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.