Buying auto insurance from online companies saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is getting rates from as many companies as possible so you can compare the lowest priced insurance.

Shopping online for auto insurance is challenging if you are a beginner to quoting online. Don't let that stop you because comparing prices is actually very simple. Getting better is actually quite simple. Just take time to get quotes online from several insurance companies. This can be accomplished by visiting this page.

What factors determine car insurance premiums?

Auto insurance rates for your 2012 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that helps determine is the model year. A newer vehicle cost more in comparison to later models so the costs to repair may end up costing you more. Although new models may have a trim level with safety features included like autonomous braking, tire pressure monitors, and dual-stage airbags that may help provide discounts that lower premiums.

Liability coverage - This provides protection from damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible 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. Another option is to bump up the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage 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 highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection from other motorists when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available but can be used in place of medical payments coverage.