Buying car insurance by quoting online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to compare as many rate quotes as possible so you can get all your choices.

Shopping online for car insurance can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The fastest way to find competitive is to get quotes online. This can be accomplished by completing this short form.

Insurance premiums for a 2014 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Where you live
• How many miles you drive
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2014
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so repair costs tend to be lower which may end up costing you less. But more recent vehicles have more advanced features including adaptive headlights, anti-lock brakes, traction control, and a telematics system so those may give discounted rates.

Liability coverages

This will cover damage that occurs to other people or property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2014 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.