Buying auto insurance through online rate quotes can be fast and easy, plus you will probably save money. The most important part is to compare as many rate quotes as possible so you can compare every option.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies competing for your business. Finding a lower price on 2014 insurance can be surprisingly simple. You just have to take a little time comparing rates provided by online insurance companies. This can be accomplished by visiting this page.

Rates are impacted by these things

Insurance rates for a 2014 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Where you live
• How many miles you drive
• Male drivers pay higher rates
• Higher deductibles save money
• Crash test rating for your 2014
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. A newer vehicle cost more so the cost to replace them will push premiums up. But new models may have options including lane departure warning system, a telematics system, and adaptive headlights so those may provide discounts that lower premiums.

Auto liability

This coverage provides protection from damage or injury you incur to other people or property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. 2014 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.