Comparing car insurance online is easy, plus you might just save a little. The key is to take the time to get rates from all companies in order to have the cheapest rate quotes.

Beginners to buying insurance may think purchasing low-cost 2013 insurance is very challenging. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The recommended way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by the following

Auto insurance rates on a 2013 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 2013
• What you do for a living
• Your coverage level
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the cost to replace them will push premiums down. On the flip side, newer vehicles may have a trim level with safety features like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which can lower rates.

Liability coverage - Liability insurance can cover damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage - This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2013 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive coverage - This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.