You have many choices when insurance shopping for your vehicle. You can buy direct from an agent or price shop online to check prices from many different auto insurance companies. Finding cheaper auto insurance through online rate quotes is simple to do, in addition you can save money.

Finding the best direct price on auto insurance can be complicated if you have never used quoting online. But relax because it's actually quite easy. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2016 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Your age
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so the payout to repair may end up costing you more. But newer models may have safety features including an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help give discounted rates.

Auto liability - 2016 liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Collision - This pays for damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage - Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.