Comparing auto insurance through online rate quotes can be fast and easy and at the same time you can save money. The most important part is getting rates from as many companies as possible so you can compare the lowest prices.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites offering insurance. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes getting comparison quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence car insurance premiums?

Car insurance premiums for your 2014 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the cost to replace them may end up costing you more. Conversely, more recent vehicles may have safety features such as 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 will cover damages or injuries you inflict on other's property or people. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision - This coverage will pay to fix damage to your resulting from colliding with an object or car. You first must pay a deductible 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 older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - This gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.