Shopping for car insurance online can be fast and easy and there is a good chance you can save money. The most important part is getting rates from as many companies as possible so you can get the cheapest rate quotes.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of online car insurance companies and websites offering insurance. There are several ways to get quotes from local car insurance companies. The recommended way to find competitive consists of shopping online. This can be accomplished by completing this short form.

Car insurance premiums for your 2013 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2013
• Your occupation
• Your coverage level
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so the payout to repair may result in lower rates. On the flip side, more recent vehicles may have safety features like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help give discounted rates.

Liability coverage - This coverage will cover damage that occurs to other's property or people by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - Collision coverage will pay to fix damage to your resulting from colliding with another car or object. You first must 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. It's also possible to raise the deductible to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.