There are many options when attempting to insure your vehicle. You can get prices from a local agent or shop online to compare insurance costs of insurance providers. Finding cheaper auto insurance by comparing rates online is easy and there is a good chance you might just save a little.

Consumers who are new to the process of shopping for insurance may think purchasing low-cost 2014 insurance is going to be difficult. Getting cheaper insurance rates can be quick and easy. The only requirement is to invest a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Auto insurance rates on a 2014 can vary widely based upon several criteria. Some of these factors include:

  • The performance level of your 2014
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so repair costs are higher which can inflate annual premiums. But more recent vehicles may have a trim level with safety features including a backup camera, dual-stage airbags, and an advanced theft deterrent system which can help offset higher rates.

Auto liability insurance

Liability insurance will cover damage that occurs to people or other property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying higher limits if possible.

Auto collision coverage

This will pay to fix damage to your resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2014 can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.