Finding cheaper auto insurance on the web is easy, plus you might just save a little. The key is to get rates from all companies so you can get every possible rate.

Consumers who are new to the process of buying insurance may think finding low-cost 2013 insurance is not very easy. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer to get quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by...

Auto insurance rates on a 2013 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• The size of your community
• The number of annual miles
• Men typically pay more than women
• Low deductibles cost more
• Crash test rating for your 2013
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so repair costs are higher which may result in higher rates. Conversely, more recent vehicles may have a trim level with safety features such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which may give discounted rates.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage protection

This will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2013 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they 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. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance program or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.