Buying auto insurance by comparing rates online can be fast and easy, in addition you can save money. The most important part is to compare rates from as many companies as possible in order to accurately compare every possible rate.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online auto insurance companies and websites offering insurance. Reducing your can be quick and easy. All that's required is to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 2014 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Where you live
• High miles vs. low miles
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so the cost to replace them will push premiums up. Conversely, more recent vehicles may have safety features such as a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors so those may help offset higher rates.

Auto liability insurance

This coverage 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. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage protection

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 then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.