Shopping for auto insurance by comparing rates online saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to have the lowest rate quotes.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. Lowering your can be quick and easy. You just need to take a few minutes getting comparison quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

Car insurance premiums for a 2015 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 2015
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the costs to repair can inflate annual premiums. On the flip side, newer vehicles may have safety features like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which can lower rates.

Auto liability insurance

This can cover damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Collision insurance

Collision coverage covers damage to your caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2015 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive insurance

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

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist 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 short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.