Buying car insurance through online providers is easy and at the same time you may find lower rates. The key is to take the time to get rates from all providers so you can compare the lowest priced insurance.

People who are new to comparison shopping may think purchasing affordable 2014 insurance is hard and time consuming. The are a couple different ways to compare rate quotes from local car insurance companies. The best method to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

What factors impact your insurance rates?

Insurance premiums paid to insure a 2014 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the costs to repair will push premiums down. On the flip side, new models have more advanced features like all-wheel drive, a telematics system, and autonomous braking which can provide discounts that lower premiums.

Liability auto insurance - Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive (Other than Collision) - This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when other motorists either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is not universally available but can be used in place of medical payments coverage.