You have lots of choices when insurance shopping for your vehicle. You can buy direct from an insurance agent or shop online to compare insurance costs of car insurance companies. Comparing auto insurance from online rate quotes is easy and at the same time you may find lower rates.

Beginners to comparison shopping may think buying affordable 2014 insurance is more work than they want to put in. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. This can be done by getting a quick quote here.

What factors impact the rate you pay?

Insurance premiums paid to insure a 2014 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 2014
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Special coverage such as replacement cost
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so repair costs are higher which will push premiums up. Conversely, newer vehicles have more advanced features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may help offset higher rates.

Liability insurance - Liability insurance can cover damages or injuries you inflict on a person or their property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as much as you can afford.

Collision - This coverage covers damage to your from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive protection - This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim 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 Coverage - This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is not an option in every state and may carry a deductible.