You have many choices when attempting to insure your vehicle. You can buy from an insurance agent or get quotes online to compare rates from companies. Comparing auto insurance by quoting online saves time, is easy to do, in addition you may find lower rates.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online quoting. But relax because we're going to show you how. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2014 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Having current coverage saves
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the costs to repair may result in higher rates. On the flip side, new models have more advanced features like adaptive headlights, anti-lock brakes, traction control, and a telematics system which may lower rates.

Liability coverages

This provides protection from injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as high a limit as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is not universally available and gives slightly broader coverage than med pay.