The power to get an online auto insurance quote is one of the most exciting financial developments in the last ten years. The power over your premium that designing your own policy gives you is not only helpful in budgeting, but is also very freeing because you don't have to rely on an agent or call center representative to make the changes for you.

Some of the ultra-flexible options you have when getting your online auto insurance quote include:

• Limits: Each of your different coverages--Personal Injury Protection (PIP), Collision, Comprehensive, Property Damage, etc. can have different monetary limits that represent the maximum payout your insurance company is obligated to. The lower the limits you request, the lower your premiums will be.
• Deductibles: When you choose the deductible for each of your coverages, you are choosing the amount of out-of-pocket expenses you can carry in the event of an accident. The higher your deductible is, the lower your car insurance premium will be.
• Pay plan options: You can choose to pay your policy in one lump sum, two to four large payments, or monthly. The larger the sum you pay at once, the deeper your pay plan discount will most likely be.