Comparing auto insurance through online companies can be fast and easy, in addition you can save money. The most important part is to get rates from as many companies as possible in order to accurately compare all your choices.

If you've never shopped for auto insurance online, you may be confused by the hoards of online auto insurance companies and websites offering insurance. Getting cheaper insurance rates is not a difficult process. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car 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 location impacts rates
• High miles vs. low miles
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the cost to replace them may result in higher rates. Although more recent vehicles may have safety features included like pedestrian detection, a collision avoidance system, and adaptive headlights which may help offset higher rates.

Coverage for liability

This coverage will cover injuries or damage you cause to other's property or people. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix 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 older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.