Comparing car insurance by quoting online is simple to do, plus you may find lower rates. The critical component is to take the time to get rates from all providers in order to have the lowest priced insurance.

Using the web to shop for car insurance direct can be difficult if you have never used online quotes. But relax because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The best method to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by...

Insurance premiums paid to insure a 2013 can vary widely subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Credit rating
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 2013
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the costs to repair can decrease annual premiums. But more recent vehicles have more advanced features including pedestrian detection, automatic crash notification, and tire pressure monitors which can lower rates.

Liability coverages - 2013 liability coverage will cover damage or injury you incur to a person or their property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - This coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages - This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.