Finding cheaper car insurance from online companies saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to get rates from all providers so you can get every option.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quoting. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The quickest method to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2003 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• The size of your community
• Annual mileage can affect rates
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor which can affect is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so the costs to repair may end up costing you less. But newer vehicles may have a trim level with safety features including lane departure warning system, dual-stage airbags, and sideview assist mirrors which may give discounted rates.

Liability coverage

This can cover injuries or damage you cause to a person or their property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage

This covers 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 older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.