Drivers have lots of options when insurance shopping for your vehicle. You can buy direct from an agent or price shop online to check prices from many different companies. Finding cheaper car insurance from online companies is simple to do, plus you can save money.

Finding the best direct price on car insurance can be difficult if you have never used quoting online. Don't let that stop you because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. The easiest way to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by the following

Car insurance premiums for your 2013 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so the payout to repair can decrease annual premiums. But newer vehicles may have safety features including anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system that may help give discounted rates.

Liability coverage - 2013 liability coverage can cover damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Collision - This covers damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.