Drivers have lots of options when comparing insurance rates on your vehicle. You can get prices from an insurance agent or get quotes online to check prices from insurance carriers. Finding cheaper car insurance by getting online quotes saves time, is easy to do, plus you may find lower rates.

Finding the best direct price on car insurance can be difficult if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. The are a couple different ways of comparing rates and find the best price. One of the best ways to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by the following

Insurance premiums on a 2014 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your job
• Insurance coverage level
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the cost to replace them may end up costing you less. Although newer vehicles have more advanced features included like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may give discounted rates.

Liability - This can cover damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision coverages - This covers damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2014 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

Comprehensive or Other Than Collision - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.