Comparing car insurance from online companies can be fast and easy and at the same time you may find lower rates. The most important part is to take the time to get as many rate quotes as possible in order to accurately compare every company's rates.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of car insurance companies selling insurance. The are a couple different ways to compare rate quotes and find the best price. The simplest method to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Insurance premiums for a 2013 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Your location impacts rates
• How many miles you drive
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• Your job
• Insurance coverage level
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new models so repair costs tend to be lower which may result in lower rates. Although new models have more advanced features included like autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which can help offset higher rates.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. 2013 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and may carry a deductible.