Comparing auto insurance on the web saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can get every option.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. Finding a lower price on 2014 insurance isn't really that difficult. You just have to take a little time comparing rates online from several insurance companies. This can be done by completing this short form.

What factors determine your insurance rates?

Insurance rates for a 2014 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Your location impacts rates
• How many miles you drive
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• No claims lowers premiums
• Having current coverage saves
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so the costs to repair can inflate annual premiums. On the flip side, new models may have options like adaptive cruise control, sideview assist mirrors, and tire pressure monitors which can give discounted rates.

Liability car insurance

This provides protection from 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. It is cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2014 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.