Comparing car insurance from online companies can be fast and easy, in addition you can save money. The most important part is to get rates from all companies in order to have all your choices.

If you've never shopped for car insurance online, you may be confused by the hoards of companies offering insurance. There are several ways to get quotes and find the best price. The fastest way to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Car insurance premiums on a 2013 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your location impacts rates
• The number of annual miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so the cost to replace them may result in lower rates. Although more recent vehicles may have safety features included like an advanced theft deterrent system, all-wheel drive, and traction control which may lower rates.

Liability coverage

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

Auto collision coverage

This coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage for your 2013 can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage

This coverage pays for 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 most a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

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 often used in conjunction with a health insurance program or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.