Drivers have lots of options when attempting to insure your vehicle. You can buy direct from an agent or price shop online to check prices from a lot of auto insurance companies. Buying auto insurance through online companies is simple to do, plus you can save money.

Shopping online for auto insurance can be difficult if you have never used online quotes. But relax because it's actually quite easy. Getting cheaper insurance rates is not a difficult process. The only requirement is to invest a few minutes getting comparison quotes online with multiple companies. This can be accomplished by completing this short form.

Rates are impacted by these factors

Car insurance premiums paid to insure a 2015 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• How you use your vehicle
• Your age
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the payout to repair can inflate annual premiums. Conversely, newer models may have safety features such as pedestrian detection, a collision avoidance system, and adaptive headlights which can give discounted rates.

Coverage for liability

2015 liability coverage protects you from damage or injury you incur to a person or their property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.