Buying car insurance by quoting online is simple to do and at the same time you can save money. The critical component is getting rates from as many companies as possible so you can get every possible rate.

Shopping online for car insurance is challenging if you have never used quoting online. Don't let that stop you because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The best way to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What influences car insurance premiums?

Car insurance premiums for your 2011 can be significantly different subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Better credit means lower rates
• Where you live
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the payout to repair can decrease annual premiums. But more recent vehicles may have safety features including dual-stage airbags, sideview assist mirrors, and active head restraints that may help give discounted rates.

Liability coverages

2011 liability coverage will cover 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. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your resulting from colliding with an object or car. You first must 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 older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages

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 then insurance will cover the rest of the damage. The highest 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 not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.