Shopping for car insurance by comparing rates 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 as many companies as possible in order to accurately compare the cheapest rate quotes.

Comparing car insurance rates direct online is challenging if you are a beginner to quoting online. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates and find the best price. The recommended way to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine car insurance premiums?

Insurance rates for your 2001 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
• The deductible you choose
• Your vehicle's safety rating
• Your profession
• Insurance coverage level
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a reduced actual cash value so the payout to repair may end up costing you less. Although newer vehicles may have options included like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection that may help help offset higher rates.

Auto liability insurance - This can cover damages or injuries you inflict on other's property or people by causing an accident. 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 coverage - Collision coverage covers damage to your resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage covers 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 your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.