Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact an agent or go online to check prices from lots of different providers. Comparing auto insurance through online providers can be fast and easy, plus you can save money.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies offering insurance. Finding a better price on auto insurance is surprisingly easy. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these things

Car insurance premiums for a 2015 can vary widely depending on several factors. Including but not limited to:

• Higher performance 2015 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Mature drivers pay less
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the cost to replace them can inflate annual premiums. But new models may have safety features including traction control, pedestrian detection, autonomous braking, and adaptive headlights which can give discounted rates.

Liability auto insurance - This coverage provides protection from damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverages - This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 2015 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance - Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.