Comparing auto insurance by quoting online saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to compare rates from as many companies as possible so you can get every company's rates.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online rate quotes. Don't let that stop you because there is an easy way to compare rates. Getting lower is a fairly straight forward process. The only thing you need to do is invest a little time comparing rates online from several insurance companies. This can be done by completing this short form.

What factors determine the rate you pay?

Insurance rates for your 2014 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Your location impacts rates
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so the costs to repair will push premiums up. Conversely, more recent vehicles may have options such as tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights so those may give discounted rates.

Liability coverages

This will cover damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.