Buying auto insurance through online rate quotes saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to take the time to get rates from as many companies as possible in order to accurately compare the lowest prices.

Shopping online for auto insurance can be difficult if you are a beginner to online quotes. Don't let that stop you because comparing prices is actually very simple. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

Rates are impacted by these factors

Auto insurance rates for your 2013 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 2013
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the costs to repair can inflate annual premiums. 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 which can help offset higher rates.

Auto liability - This protects you from damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Collision - Collision insurance pays for damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage 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 from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and may carry a deductible.