You have many choices when attempting to insure your vehicle. You can buy from an insurance agent or shop online to compare insurance costs of lots of different providers. Finding cheaper car insurance through online providers is easy, in addition you may find lower rates.

Consumers who are new to the process of comparing rates may think shopping for cut-rate 2014 insurance is hard and time consuming. The are a couple different ways of comparing rates from local car insurance companies. The fastest way to find the cheapest is to perform an online rate comparison. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance premiums for your 2014 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 2014
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Being married may save money
• Optional coverages like vehicle replacement
• Your job
• Your coverage level
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so the payout to repair will push premiums down. On the flip side, newer vehicles have more advanced features like active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control that may help help offset higher rates.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other's property or people that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as large an amount as possible.

Auto collision coverage

This covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and may carry a deductible.