You have lots of choices when trying to insure your vehicle. You can either contact an insurance agent or get quotes online to check prices from multiple insurance companies. Buying car insurance on the web saves time, is easy to do and at the same time you may find lower rates.

Shopping online for car insurance is challenging if you are a beginner to quoting online. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The quickest method to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine car insurance premiums?

Insurance premiums paid to insure a 2004 can be significantly different and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • How many accidents you have had
  • Multiple policies can save money
  • How you use your vehicle
  • Mature drivers pay less
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the costs to repair may end up costing you less. Conversely, new models have more advanced features such as adaptive cruise control, sideview assist mirrors, and tire pressure monitors that may help give discounted rates.

Liability car insurance

This provides protection from damages or injuries you inflict on a person or their property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must 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. It's also possible to increase the deductible to bring the cost down.

Comprehensive car insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.