You have lots of choices when shopping for insurance coverage for your vehicle. You can buy from a local agent or shop online to compare rates from insurance carriers. Finding cheaper auto insurance by getting online quotes is easy and at the same time you might just save a little.

Consumers who are new to the process of comparison shopping may think buying cheap 2013 insurance is nearly impossible. Getting better can be relatively painless. Just take time to get quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors impact the rate you pay?

Auto insurance rates for a 2013 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 2013
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so repair costs are higher which will push premiums up. On the flip side, newer vehicles may have a trim level with safety features like lane departure warning system, pedestrian detection, and tire pressure monitors so those may lower rates.

Liability - Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - This covers damage to your caused by collision with an object or car. 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. You can also bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often 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 and gives slightly broader coverage than med pay.