Shopping for auto insurance through online companies saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is getting rates from all providers in order to accurately compare all possible prices.

Comparing auto insurance rates direct online is challenging if you are a beginner to quoting online. But relax because there is an easy way to compare rates. Finding cheaper coverage prices is not a difficult process. All you need to do is take the time comparing rates online from several insurance companies. This is very easy and can be done by getting a quick quote here.

What factors determine car insurance premiums?

Insurance rates paid to insure a 2010 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Models that are new have a higher replacement value so the costs to repair may end up costing you more. But newer models may have options including active head restraints, traction control, and a rollover prevention system that may help help offset higher rates.

Coverage for liability

This protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as large an amount as possible.

Collision protection

Collision coverage pays for damage to your from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

This provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.