Finding cheaper auto insurance through online providers can be fast and easy and at the same time you can save money. The most important part is to take the time to get rates from all providers in order to accurately compare the lowest rate quotes.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online companies offering insurance. Lowering your is surprisingly easy. You just need to take a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Car insurance premiums paid to insure a 2013 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your claim history
• Having continuous coverage saves you money
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are new have a higher actual cash value than older models so the cost to replace them can inflate annual premiums. Although more recent vehicles may have safety features included like forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which can help offset higher rates.

Liability auto insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision insurance

This will pay to fix damage to your from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.