Shopping for auto insurance from online rate quotes is simple to do and at the same time you might just save a little. The critical component is getting rates from as many companies as possible in order to have all your choices.

Comparing auto insurance rates direct online is challenging if you have never used quoting online. Don't let that stop you because comparing prices is actually very simple. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

What influences car insurance premiums?

Auto insurance rates for your 2015 can be significantly different subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Better credit means lower rates
• Where you reside can make a big difference
• High miles vs. low miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair may end up costing you more. But more recent vehicles may have a trim level with safety features including forward-collision avoidance, adaptive cruise control, and lane departure warning system that may help lower rates.

Liability insurance

2015 liability coverage will cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your resulting from colliding with an object or car. You first must pay a 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 vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.