Drivers have lots of options when attempting to insure your vehicle. You can get prices from a local agent or shop online to compare pricing from many different car insurance companies. Shopping for car insurance through online rate quotes is easy, plus you might just save a little.

Consumers not familiar with buying insurance may think finding cut-rate 2013 insurance is going to be difficult. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The fastest way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by...

Auto insurance rates for your 2013 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 2013
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the payout to repair will push premiums down. But more recent vehicles may have a trim level with safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may provide discounts that lower premiums.

Auto liability

Liability insurance will cover damage or injury you incur to other's property or people 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 consider buying as high a limit as you can afford.

Auto collision coverage

Collision coverage will pay to fix 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 vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers 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 important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.