Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can get prices from an insurance agent or get quotes online to compare rates from insurance providers. Buying car insurance by comparing rates online saves time, is easy to do, plus you may find lower rates.

Shopping online for car insurance can be difficult if you are a beginner to online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates from local car insurance companies. The simplest method to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted by the following

Insurance premiums for your 2013 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• Your coverage level
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the payout to repair may end up costing you less. On the flip side, newer vehicles have more advanced features like blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system which can lower rates.

Auto liability insurance

This can cover damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.