There are many options when attempting to insure your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare insurance costs of a lot of car insurance companies. Buying car insurance through online companies saves time, is easy to do and there is a good chance you will probably save money.

Shopping online for car insurance can be a challenge if you are a beginner to quoting online. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The fastest way to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Insurance rates for your 2014 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Being married may save money
• Extra coverages like towing and rental
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models cost less so the payout to repair may end up costing you less. But newer vehicles may have options including pedestrian detection, a collision avoidance system, and adaptive headlights that may help help offset higher rates.

Coverage for liability

This can cover damage that occurs to other's property or people in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.