Finding cheaper auto insurance through online providers is easy and there is a good chance you might just save a little. The key is getting rates from all providers so you can compare the lowest priced insurance.

Consumers who are new to the process of shopping for insurance may think shopping for affordable 2014 insurance is hard and time consuming. Getting better is surprisingly easy. Just take time to get quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

Auto insurance rates paid to insure a 2014 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2014
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so repair costs are higher which may end up costing you more. Conversely, newer vehicles may have a trim level with safety features such as all-wheel drive, a telematics system, and autonomous braking that may help provide discounts that lower premiums.

Liability auto insurance - Liability insurance can cover damage that occurs to a person or their property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - This covers damage to your from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) - This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.