Comparing car insurance by getting online quotes is easy and there is a good chance you might just save a little. The key is to compare as many rate quotes as possible so you can compare the best prices.

Beginners to shopping for insurance may think buying cheap 2013 insurance is nearly impossible. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. One of the best ways to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Auto insurance rates for a 2013 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2013
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so repair costs tend to be lower which will push premiums down. On the flip side, newer vehicles may have a trim level with safety features like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may provide discounts that lower premiums.

Liability - Liability insurance can cover damage that occurs to other people or property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverages - This coverage covers damage to your caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. 2013 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP is not an option in every state but can be used in place of medical payments coverage.