There are many options when looking for the best insurance on your vehicle. You can buy from an insurance agent or get quotes online to compare pricing from a lot of auto insurance companies. Finding cheaper auto insurance through online companies saves time, is easy to do and there is a good chance you may find lower rates.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer to compare quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Insurance premiums for a 2016 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Your birth date
• Being married can lower rates
• Extra coverages like towing and rental
• Whether or not you have claims
• No coverage lapses saves money
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older models so the costs to repair will push premiums up. Conversely, newer vehicles have more advanced features such as a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control so those may provide discounts that lower premiums.

Coverage for liability

This can cover damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision coverage protection

This covers damage to your caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2016 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they 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. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.