Finding cheaper auto insurance by comparing rates online saves time, is easy to do, in addition you can save money. The key to finding lower rates is to compare rates from all providers so you can compare the best prices.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online rate quotes. But relax because it's actually quite easy. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2000 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so the costs to repair will push premiums up. On the flip side, newer vehicles may have safety features like forward-collision avoidance, adaptive cruise control, and active head restraints so those may provide discounts that lower premiums.

Auto liability insurance - This can cover injuries or damage you cause to a person or their property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Collision coverages - This covers damage to your from colliding with another vehicle or an object, but not an animal. You have to 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 older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive insurance - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan 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.