Shopping for auto insurance online can be fast and easy, in addition you can save money. The most important part is getting rates from all companies so you can get the cheapest rate quotes.

If shopping for auto insurance online is new to you, you may be confused by the hoards of companies offering insurance. Finding lower is not rocket science. You just have to spend a little time getting comparison quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Car insurance premiums on a 2009 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the cost to replace them may end up costing you more. But more recent vehicles may have safety features including adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help give discounted rates.

Liability coverage - This coverage will cover injuries or damage you cause to people or other property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2009 can be pricey, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

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

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.