Buying auto insurance by quoting online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is getting rates from as many companies as possible so you can get the best prices.

Shopping online for auto insurance can be a challenge if you are a beginner to quoting online. Don't let that stop you because we're going to show you how. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This can be accomplished by completing this short form.

Insurance premiums for your 2011 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2011
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the costs to repair may end up costing you more. On the flip side, newer vehicles have more advanced features like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection that may help give discounted rates.

Liability coverages - This can cover damage that occurs to other's property or people in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Collision coverages - Collision insurance covers damage to your resulting from colliding with another car or object. 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 lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive coverages - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments - Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.