Shopping for car insurance by comparing rates online can be fast and easy, plus you might just save a little. The most important part is to compare rates from as many companies as possible so you can get all your choices.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The fastest way to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by the following

Auto insurance rates for your 2013 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Where you reside can make a big difference
• High miles vs. low miles
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 2013
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the payout to repair may result in lower rates. Although newer vehicles may have a trim level with safety features included like a backup camera, dual-stage airbags, and an advanced theft deterrent system so those may give discounted rates.

Auto liability insurance

This coverage can cover damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Auto collision coverage

Collision coverage covers damage to your resulting from colliding with a stationary object or other vehicle. 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. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.