Drivers have lots of options when trying to insure your vehicle. You can buy direct from an insurance agent or get quotes online to compare rates from multiple companies. Shopping for car insurance online saves time, is easy to do, plus you may find lower rates.

Comparing car insurance rates direct online can be difficult if you are a beginner to quoting online. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The quickest method to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by these things

Insurance premiums paid to insure a 2015 can be significantly different and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the costs to repair may end up costing you less. But new models have more advanced features including sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors that may help lower rates.

Liability coverage

This provides protection from damage or injury you incur to a person or their property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. 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 lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.