There are many options when shopping for car insurance for your vehicle. You can get prices from an agent or get quotes online to compare insurance costs of many different auto insurance companies. Shopping for auto insurance through online rate quotes saves time, is easy to do and there is a good chance you can save money.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. Lowering your can be surprisingly simple. You just need to take a few minutes getting comparison quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance premiums for your 2014 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Being married may save money
• Extra coverages like towing and rental
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the costs to repair may result in higher rates. But new models may have safety features including adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which may help offset higher rates.

Auto liability

This provides protection from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as high a limit as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not universally available and may carry a deductible.