Comparing auto insurance by getting online quotes is easy, in addition you will probably save money. The key is getting rates from as many companies as possible so you can compare all your choices.

Beginners to comparing rates may think shopping for cut-rate 2014 insurance is nearly impossible. Getting cheaper insurance rates can be relatively painless. The only requirement is to invest a few minutes comparing rates from different insurance companies. This can be done by visiting this page.

Criteria which help determine your insurance rates

Insurance rates for your 2014 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Your location impacts rates
• High miles vs. low miles
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Having current coverage saves
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. A newer vehicle have a higher value so repair costs are higher which may end up costing you more. On the flip side, new models may have options like traction control, tire pressure monitors, a collision avoidance system, and a telematics system that may help provide discounts that lower premiums.

Liability

Liability insurance provides protection from injuries or damage you cause to other's property or people. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as large an amount as possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must 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 vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not universally available but can be used in place of medical payments coverage.