You have lots of choices when buying insurance for your vehicle. You can get prices from an agent or shop online to check prices from insurance providers. Finding cheaper auto insurance by comparing rates online is easy and at the same time you can save money.

Consumers who are new to the process of comparison shopping may think finding cut-rate 2016 insurance is going to be difficult. Finding lower can be quick and easy. You just have to spend a little time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

What factors impact ?

Car insurance premiums for your 2016 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 2016
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so repair costs are higher which may result in higher rates. But newer vehicles may have safety features including a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may give discounted rates.

Auto liability insurance - Liability insurance can cover damages or injuries you inflict on other's property or people that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage - This covers damage to your resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. 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.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.