Buying auto insurance by getting online quotes is easy, plus you may find lower rates. The key is to compare rates from as many companies as possible in order to have the lowest prices.

People who are new to buying insurance may think buying cut-rate 2014 insurance is nearly impossible. Cutting your can be relatively painless. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by these things

Insurance premiums for your 2014 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2014
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so repair costs are higher which will push premiums up. Although new models have more advanced features included like a telematics system, all-wheel drive, and adaptive headlights so those may lower rates.

Liability - Liability insurance provides protection from damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as much as you can afford.

Collision - Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical costs insurance - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is not universally available and gives slightly broader coverage than med pay.