Drivers have lots of options when looking for the best insurance on your vehicle. You can buy direct from an insurance agent or shop online to compare rates from multiple companies. Shopping for car insurance online is easy, plus you may find lower rates.

Consumers not familiar with buying insurance may think finding low-cost 2014 insurance is very challenging. The are a couple different ways to compare rate quotes from car insurance companies in your area. The best way to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by these things

Insurance premiums on a 2014 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 2014
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the cost to replace them will push premiums down. But new models have more advanced features including forward-collision avoidance, tire pressure monitors, and autonomous braking which may lower rates.

Liability coverage

Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2014 can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability 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 coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.