You have lots of choices when buying insurance for your vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare pricing from many different companies. Shopping for auto insurance from online companies is easy and at the same time you will probably save money.

Consumers not familiar with comparison shopping may think buying affordable 2014 insurance can be quite difficult. Finding lower is actually quite simple. You just have to spend a little time comparing rates from different insurance companies. This is very easy and can be done by visiting this page.

What factors impact the rate you pay?

Insurance rates paid to insure a 2014 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 2014
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Special coverage such as replacement cost
• No claims lowers premiums
• Having current coverage saves
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. A newer vehicle have a higher replacement value so repair costs are higher which will push premiums up. On the flip side, newer vehicles may have options like lane departure warning system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Liability coverage - Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - Collision coverage 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 vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive coverage - This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages 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 but can be used in place of medical payments coverage.