Comparing auto insurance through online companies is easy, in addition you can save money. The key is to get rates from all companies so you can compare the best prices.

Beginners to comparing rates may think finding low-cost 2013 insurance is difficult. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be done by visiting this page.

Criteria which help determine insurance rates

Car insurance premiums on a 2013 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so repair costs are higher which may result in higher rates. But newer vehicles may have safety features including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may provide discounts that lower premiums.

Coverage for liability - Liability insurance can cover injuries or damage you cause to people or other property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverages - This coverage covers damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2013 can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not an option in every state but can be used in place of medical payments coverage.