Shopping for auto insurance online saves time, is easy to do, in addition you may find lower rates. The key to finding lower rates is to compare rates from all providers so you can compare the lowest rate quotes.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online rate quotes. But relax because we're going to show you how. Lowering your is not rocket science. You just need to take a few minutes to compare quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2009 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. A newer vehicle have a higher replacement value compared to older models so the costs to repair will push premiums up. Conversely, newer models have more advanced features such as pedestrian detection, dual-stage airbags, and blind-spot warning system so those may provide discounts that lower premiums.

Liability coverage

This protects you from injuries or damage you cause to a person or their property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Collision insurance

Collision coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. You have to 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. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.