There are many options when insurance shopping for your vehicle. You can get prices from a local agent or go online to compare insurance costs of multiple insurance companies. Comparing auto insurance on the web can be fast and easy and there is a good chance you might just save a little.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Auto insurance rates for a 2015 can be significantly different depending on several factors. Some of these factors include:

• Higher performance 2015 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Young drivers cost more
• Being married may save money
• Extra coverages like towing and rental
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them may end up costing you more. Conversely, more recent vehicles may have a trim level with safety features such as pedestrian detection, active head restraints, and a backup camera that may help help offset higher rates.

Liability car insurance - This coverage will cover damage that occurs to other people or property. 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 consider buying as large an amount as possible.

Collision - This coverage will pay to fix damage to your caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. 2015 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim 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.

UM/UIM Coverage - Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.