Shopping for car insurance by getting online quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to get as many rate quotes as possible so you can compare the cheapest rate quotes.

Comparing car insurance rates direct online is challenging if you are a beginner to online quoting. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The recommended way to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine ?

Auto insurance rates for a 1999 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may end up costing you less. Conversely, more recent vehicles may have a trim level with safety features such as anti-lock brakes, adaptive headlights, and adaptive cruise control which may provide discounts that lower premiums.

Liability - This will cover damages or injuries you inflict on other people or property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. 1999 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.