Comparing car insurance through online providers is easy, plus you can save money. The key is to get rates from as many companies as possible so you can get all possible prices.

Beginners to buying insurance may think finding cut-rate 2014 insurance is hard and time consuming. There are several ways to compare quotes and find the best price. The easiest way by far to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by these factors

Car insurance premiums for your 2014 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2014
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the payout to repair will push premiums down. Although newer models may have safety features included like forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking which may give discounted rates.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision protection

This coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.