Drivers have lots of options when trying to insure your vehicle. You can either buy through your neighborhood insurance agent or go online to compare rates from lots of different providers. Finding cheaper car insurance through online providers can be fast and easy, plus you will probably save money.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The quickest method to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by...

Insurance rates for a 2013 can be significantly different depending on several factors. Including but not limited to:

• Higher performance 2013 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Young drivers cost more
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a lower value so repair costs tend to be lower which may result in lower rates. But more recent vehicles may have options including a backup camera, autonomous braking, active head restraints, and all-wheel drive that may help lower rates.

Liability auto insurance

This coverage will cover damage or injury you incur to other people or property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage

This will pay to fix damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. 2013 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.