Comparing car insurance online saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is getting rates from all providers so you can compare the lowest rate quotes.

Using the web to shop for car insurance direct is challenging if you are a beginner to quoting online. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. By far the easiest way to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What factors determine car insurance premiums?

Insurance rates paid to insure a 1997 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Your profession
• Your coverage level
• 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. Used vehicles have a reduced actual cash value so the costs to repair may end up costing you less. On the flip side, newer vehicles may have options like pedestrian detection, dual-stage airbags, and blind-spot warning system that may help provide discounts that lower premiums.

Liability coverage

This can cover damages or injuries you inflict on a person or their property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as large an amount as possible.

Collision insurance

This coverage covers damage to your 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 vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive coverage

This will pay to fix 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 highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is not an option in every state but can be used in place of medical payments coverage.