Drivers have lots of options when shopping for insurance coverage for your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare insurance costs of car insurance companies. Buying auto insurance from online rate quotes saves time, is easy to do, plus you will probably save money.

Shopping online for auto insurance can be difficult if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. Getting better doesn't have to be difficult. Just take time comparing rates online from several insurance companies. This can be accomplished by getting a quick quote here.

Rates are impacted by the following

Insurance rates for a 2014 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
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• No coverage lapses saves money
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Models that are new cost more so the costs to repair can inflate annual premiums. Conversely, newer vehicles may have options such as a collision avoidance system, forward-collision avoidance, and active head restraints which can help offset higher rates.

Liability insurance - This can cover damage or injury you incur to other people or property 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 purchase higher limits if possible.

Collision coverage - Collision insurance covers damage to your caused by collision 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. 2014 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage - Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.