You have many choices when looking for the best insurance on your vehicle. You can either contact your neighborhood insurance agent or go online to check prices from multiple insurance companies. Finding cheaper auto insurance on the web can be fast and easy, in addition you will probably save money.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites competing for your business. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer comparing rates provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine your insurance rates

Insurance rates for your 2014 can fluctuate considerably depending on several factors. A few of these criteria are:

• Higher performance 2014 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Having a spouse can save money
• Optional coverages like vehicle replacement
• No claims lowers premiums
• No coverage lapses saves money
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. New vehicles have a higher actual cash value so the cost to replace them may result in higher rates. Conversely, newer vehicles may have options such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which may give discounted rates.

Liability car insurance

This coverage can cover injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision coverage protection

This covers damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.