You have many choices when shopping for insurance coverage for your vehicle. You can get prices from your neighborhood insurance agent or go online to compare pricing from insurance carriers. Finding cheaper auto insurance by getting online quotes can be fast and easy, in addition you will probably save money.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online companies competing for your business. Getting better can be relatively painless. Just take time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 2011 can be significantly different depending on several factors. A few of these criteria are:

  • Higher performance 2011 vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. A newer vehicle have a higher actual cash value so the cost to replace them may end up costing you more. But new models may have options including lane departure warning system, pedestrian detection, and tire pressure monitors that may help provide discounts that lower premiums.

Liability - This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage - This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance - Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.