You have many choices when trying to find low-cost insurance for your vehicle. You can buy from your neighborhood insurance agent or get quotes online to compare rates from a lot of auto insurance companies. Shopping for auto insurance through online companies saves time, is easy to do, in addition you will probably save money.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online quoting. But relax because there is an easy way to compare rates. Getting lower is not a difficult process. The only thing you need to do is invest a little time comparing rates online from several insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 2004 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Your age
• Whether you are married
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so the costs to repair may result in higher rates. But newer models may have options including adaptive cruise control, autonomous braking, and lane departure warning system which may lower rates.

Coverage for liability

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

Coverage for collisions

Collision coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for 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 most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.