Shopping for car insurance by quoting online saves time, is easy to do, in addition you may find lower rates. The key to finding lower rates is to get rates from all companies so you can get the lowest rate quotes.

Comparing car insurance rates direct online can be complicated if you are a beginner to online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. By far the easiest way to find competitive consists of shopping online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Insurance premiums on a 2013 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new models so the cost to replace them may end up costing you less. Conversely, newer models have more advanced features such as lane departure warning system, anti-lock brakes, and adaptive headlights which may give discounted rates.

Liability coverages

This protects you from injuries or damage you cause to people or other property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as high a limit as you can afford.

Collision insurance

Collision coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 2013 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage kick in for bills like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance program or if you do not have health coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.