You have lots of choices when buying insurance for your vehicle. You can buy from a local agent or get quotes online to check prices from lots of different providers. Shopping for auto insurance through online providers saves time, is easy to do and at the same time you might just save a little.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quoting. Don't let that stop you because comparing prices is actually very simple. Finding lower is surprisingly easy. You just have to spend a little time to get quotes online from several insurance companies. This is very easy and can be done by completing this short form.

What factors determine ?

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

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Your birth date
• Having a spouse can save money
• Special coverage such as replacement cost
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so the costs to repair may result in higher rates. But newer vehicles may have a trim level with safety features including active head restraints, an advanced theft deterrent system, and lane departure warning system which may give discounted rates.

Liability auto insurance - This can cover damages or injuries you inflict on other's property or people 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 covers damage to your resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from 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's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. 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.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.