Finding cheaper auto insurance from online companies can be fast and easy, in addition you will probably save money. The most important part is to get rates from as many companies as possible so you can get every company's rates.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites competing for your business. Getting lower is actually quite simple. The only thing you need to do is invest a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine your insurance rates

Insurance rates for your 2009 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. New vehicles have a higher actual cash value so the cost to replace them may result in higher rates. But more recent vehicles may have options including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which may give discounted rates.

Liability coverage

This coverage will cover injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most 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.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance program 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.