Shopping for car insurance from online companies can be fast and easy, plus you may find lower rates. The most important part is to take the time to get as many rate quotes as possible in order to have every company's rates.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of car insurance companies selling insurance. The are a couple different ways of comparing rates from car insurance companies in your area. The simplest method to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by the following

Insurance premiums for a 2014 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Where you reside can make a big difference
• How many miles you drive
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 2014
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so repair costs tend to be lower which may result in lower rates. But newer vehicles have more advanced features including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which can lower rates.

Liability coverage

This coverage can cover damage or injury you incur to other people or property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

Collision coverage covers damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 2014 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.