Finding cheaper car insurance by quoting online is simple to do, in addition you may find lower rates. The critical component is to take the time to get rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

Finding the best direct price on car insurance can be complicated if you have never used online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The recommended way to find the cheapest is to perform an online rate comparison. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance premiums for your 2011 can vary widely subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so the payout to repair can decrease annual premiums. But new models have more advanced features including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can help offset higher rates.

Liability coverages - 2011 liability coverage provides protection from injuries or damage you cause to other's property or people that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.