Shopping for auto insurance online is simple to do and at the same time you will probably save money. The critical component is to compare rates from all companies so you can compare the lowest prices.

Comparing auto insurance rates direct online is challenging if you have never used online rate quotes. But don't be discouraged because there is an easy way to compare rates. Cutting your is not rocket science. Drivers just need to take a couple of minutes comparing rates online with multiple companies. This is very easy and can be done by visiting this page.

What influences the rate you pay?

Insurance rates on a 2014 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. A newer vehicle have a higher replacement value so the payout to repair will push premiums up. But more recent vehicles may have options including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Liability coverage - 2014 liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision - Collision coverage will pay to fix damage to your resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2014 can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - This gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.