Buying auto insurance from online companies can be fast and easy, in addition you can save money. The most important part is getting rates from all providers in order to have every company's rates.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies offering insurance. Getting lower is actually quite simple. The only thing you need to do is invest a little time getting comparison quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 1994 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you live
• Annual mileage can affect rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the cost to replace them may end up costing you more. But new models may have safety features including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help lower rates.

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since 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 very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.