Buying car insurance by comparing rates online can be fast and easy, in addition you can save money. The most important part is getting rates from all companies so you can compare the lowest rate quotes.

If you're new to shopping for car insurance online, you may be confused by the hoards of companies offering insurance. There are several ways to compare quotes from local car insurance companies. By far the easiest way to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Car insurance premiums on a 2010 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Older models have a much lower replacement value than newer models so the cost to replace them may result in lower rates. On the flip side, newer models may have safety features like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system that may help provide discounts that lower premiums.

Auto liability insurance

This coverage protects you from injuries or damage you cause to people or other property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision insurance

Collision insurance pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2010 can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.