There are many options when insurance shopping for your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare insurance costs of lots of different providers. Shopping for car insurance through online providers saves time, is easy to do and there is a good chance you will probably save money.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quoting. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The easiest way to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Insurance rates paid to insure a 2013 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Young drivers cost more
• 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 will help determine the rate you pay on your is the year of manufacture. Older cars and trucks cost less so the costs to repair may end up costing you less. But more recent vehicles may have options including lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which may help offset higher rates.

Liability auto insurance - This will cover damage that occurs to a person or their property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as high a limit as you can afford.

Collision - Collision coverage will pay to fix damage to your from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, 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 (Other than Collision) - This 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 most 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 not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.