Drivers have lots of options when insurance shopping for your vehicle. You can get prices from an agent or go online to compare pricing from many different car insurance companies. Buying car insurance through online rate quotes can be fast and easy, plus you can save money.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to compare rate quotes and find the best price. The easiest way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by these things

Car insurance premiums for a 2014 can be significantly different depending on several factors. Including but not limited to:

• Higher performance 2014 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• Use of your vehicle
• Mature drivers pay less
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so repair costs tend to be lower which may result in lower rates. Although new models may have safety features included like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help provide discounts that lower premiums.

Auto liability - This coverage provides protection from damage or injury you incur to other people or property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision - Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. 2014 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper .

Comprehensive auto coverage - Comprehensive insurance will pay to fix 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 highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.