Comparing car insurance through online rate quotes can be fast and easy, in addition you might just save a little. The most important part is to compare rates from as many companies as possible in order to accurately compare the lowest prices.

If you've never shopped for car insurance online, you may be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2010 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the payout to repair may result in lower rates. On the flip side, newer models may have a trim level with safety features like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may help offset higher rates.

Auto liability - This coverage protects you from injuries or damage you cause to other's property or people. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision - This coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This coverage provides protection when other motorists do not carry enough liability coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states and may carry a deductible.