Comparing auto insurance by comparing rates online saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to get as many rate quotes as possible in order to have the lowest prices.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online quoting. But don't let that discourage you because comparing prices is actually very simple. Cutting your can be quick and easy. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This can be done by comparing rates here.

Auto insurance rates for a 2013 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 2013
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that can impact is the model year. Newer models have a higher value in comparison to later models so the costs to repair may result in higher rates. Although newer vehicles may have a trim level with safety features included like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive which may lower rates.

Auto liability insurance - This can cover damage that occurs to other people or property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision - This coverage covers damage to your caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. 2013 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.