Shopping for car insurance by quoting online is simple to do and at the same time you can save money. The critical component is to take the time to get rates from as many companies as possible in order to accurately compare the lowest rate quotes.

Comparing car insurance rates direct online is challenging if you have never used online quotes. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. By far the easiest way to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What influences your insurance rates?

Car insurance premiums for your 2011 can vary widely subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the payout to repair can decrease annual premiums. Conversely, newer models may have safety features such as lane departure warning system, anti-lock brakes, and adaptive headlights which can help offset higher rates.

Liability coverages

2011 liability coverage protects you from damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision insurance

Collision coverage pays for damage to your resulting from colliding with an object or car. 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 older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and may carry a deductible.