You have lots of choices when insurance shopping for your vehicle. You can buy from an insurance agent or price shop online to compare pricing from lots of different providers. Comparing auto insurance through online providers is simple to do and at the same time you may find lower rates.

Using the web to shop for auto insurance direct is challenging if you have never used online quotes. But don't let that discourage you because we're going to show you how. Cutting your is surprisingly easy. Drivers just need to take a couple of minutes to compare quotes online with multiple companies. This can be done by visiting this page.

What influences your insurance rates?

Insurance premiums for a 2013 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Your birth date
• Being married can lower rates
• Special coverage such as replacement cost
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older models so the payout to repair can inflate annual premiums. Conversely, newer vehicles have more advanced features such as lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which can provide discounts that lower premiums.

Liability auto insurance - 2013 liability coverage can cover 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. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision - This coverage covers damage to your caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2013 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense insurance - Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.