Finding cheaper car insurance through online providers saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to compare rates from as many companies as possible so you can compare the best prices.

Finding the best direct price on car insurance is challenging if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes from local car insurance companies. One of the best ways to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Insurance premiums for your 2013 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the payout to repair may end up costing you less. On the flip side, new models have more advanced features like traction control, pedestrian detection, autonomous braking, and adaptive headlights so those may provide discounts that lower premiums.

Liability auto insurance - This provides protection from damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision coverages - This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to 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. Another option is to increase the deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage - This gives you protection when other motorists either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance - Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not universally available but can be used in place of medical payments coverage.