Buying car insurance through online providers is easy, in addition you may find lower rates. The key is to compare rates from all providers so you can get every option.

People who are new to comparing rates may think buying affordable 2014 insurance is hard and time consuming. The are a couple different ways to compare rate quotes from car insurance companies in your area. The quickest method to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2014 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Where you live
• Annual mileage can affect rates
• Male drivers pay higher rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new models so the costs to repair will push premiums down. But new models have more advanced features including a backup camera, autonomous braking, active head restraints, and all-wheel drive so those may give discounted rates.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.