Buying auto insurance on the web is easy, in addition you can save money. The key is to compare rates from as many companies as possible so you can get all your choices.

People who are new to comparing rates may think buying cut-rate 2014 insurance is not very easy. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This can be accomplished by completing this short form.

Criteria which help determine your insurance rates

Car insurance premiums for your 2014 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Where you live
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so repair costs are higher which will push premiums up. Although more recent vehicles may have safety features included like automatic crash notification, anti-lock brakes, and a backup camera so those may give discounted rates.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other's property or people in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.