Comparing car insurance by quoting online saves time, is easy to do, in addition you will probably save money. The key to finding lower rates is to take the time to get rates from as many companies as possible so you can get the cheapest rate quotes.

Using the web to shop for car insurance direct can be complicated if you are a beginner to online quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The recommended way to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine your insurance rates

Insurance rates for your 2010 can vary widely and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a much lower replacement value so the payout to repair may end up costing you less. But newer models may have options including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can give discounted rates.

Liability coverages - This protects you from injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase higher limits if possible.

Collision coverage - This coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments - Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.