You have lots of choices when insurance shopping for your vehicle. You can buy from an insurance agent or shop online to compare insurance costs of insurance carriers. Finding cheaper car insurance by getting online quotes is easy and at the same time you may find lower rates.

Consumers who are new to the process of comparison shopping may think buying affordable 2013 insurance is nearly impossible. The are a couple different ways of comparing rates from local car insurance companies. The easiest way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

Insurance premiums paid to insure a 2013 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 2013
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the costs to repair will push premiums down. On the flip side, newer vehicles have more advanced features like a telematics system, all-wheel drive, and adaptive headlights so those may help offset higher rates.

Liability - Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as much as you can afford.

Collision - This covers damage to your from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive or Other Than Collision - This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This provides protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP is not an option in every state and may carry a deductible.