Shopping for car insurance by getting online quotes is simple to do and at the same time you might just save a little. The critical component is to compare rates from as many companies as possible so you can get the best prices.

Comparing car insurance rates direct online is challenging if you have never used online rate quotes. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. One of the best ways to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

What influences the rate you pay?

Auto insurance rates for your 2010 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Male rates may be higher
• Low deductibles cost more
• 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 the payout to repair can decrease annual premiums. Conversely, newer vehicles may have a trim level with safety features such as pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may give discounted rates.

Liability - 2010 liability coverage can cover damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverages - Collision coverage covers damage to your resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This protects you and your vehicle from other drivers when they 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, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.