Finding cheaper auto insurance through online providers can be fast and easy and at the same time you will probably save money. The most important part is to take the time to get rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online auto insurance companies and websites competing for your business. Finding lower is surprisingly easy. You just have to spend a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Insurance rates for your 2010 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• No claims lowers premiums
• Having current coverage saves
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so the cost to replace them can inflate annual premiums. On the flip side, new models may have options like active head restraints, an advanced theft deterrent system, and lane departure warning system which can help offset higher rates.

Liability auto insurance - This coverage provides protection from damages or injuries you inflict on other's property or people that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when other motorists either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance - Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and may carry a deductible.