Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an insurance agent or price shop online to compare rates from many different auto insurance companies. Buying auto insurance through online rate quotes is simple to do, plus you may find lower rates.

Shopping online for auto insurance can be difficult if you have never used online quotes. But don't be discouraged because we're going to show you how. Finding lower can be surprisingly simple. You just have to spend a little time to compare quotes online with multiple companies. This can be accomplished by comparing rates here.

Rates are impacted by...

Insurance premiums on a 2013 can vary widely subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the payout to repair can inflate annual premiums. Although more recent vehicles have more advanced features included like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which can lower rates.

Auto liability - 2013 liability coverage will cover damage or injury you incur to people or other property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - Collision insurance will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2013 can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive auto coverage - This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.