You have lots of choices when attempting to insure your vehicle. You can either buy through a local agent or get quotes online to compare pricing from companies. Finding cheaper car insurance by quoting online saves time, is easy to do and at the same time you might just save a little.

Finding the best direct price on car insurance is challenging if you are a beginner to 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 to compare quotes and find the best price. The fastest way to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Auto insurance rates for your 2016 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the payout to repair may end up costing you less. Although newer models may have a trim level with safety features included like adaptive headlights, anti-lock brakes, traction control, and a telematics system so those may provide discounts that lower premiums.

Liability coverages

This protects you from damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Auto collision coverage

This pays for damage to your resulting from colliding with an object or car. You have to 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 coverages

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 maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage 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 plan or if you are not covered by health insurance. PIP coverage is not available in all states but can be used in place of medical payments coverage.