Shopping for auto insurance from online rate quotes can be fast and easy and at the same time you might just save a little. The most important part is to take the time to get rates from all companies so you can compare the lowest rate quotes.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of companies vying for your business. Lowering your doesn't have to be difficult. You just need to take a few minutes to get quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Which factors influence your insurance rates?

Auto insurance rates on a 2013 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the cost to replace them can inflate annual premiums. But newer vehicles may have a trim level with safety features including pedestrian detection, tire pressure monitors, and autonomous braking which can provide discounts that lower premiums.

Liability insurance

This coverage can cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision insurance

Collision coverage covers damage to your resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 2013 can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.