You have lots of choices when trying to insure your vehicle. You can either buy through an agent or go online to compare insurance costs of car insurance companies. Shopping for auto insurance from online rate quotes can be fast and easy and at the same time you can save money.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of auto insurance companies offering insurance. Finding a lower price on 2013 insurance doesn't have to be difficult. You just have to take a little time getting comparison quotes provided by online insurance companies. This is very easy and can be done by getting a quick quote here.

Which factors influence the rate you pay?

Car insurance premiums for a 2013 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2013 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Special coverage such as replacement cost
• Your claim history
• Having current coverage saves
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the cost to replace them will push premiums up. On the flip side, more recent vehicles may have safety features like adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system so those may help offset higher rates.

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your caused by collision with an object or car. You have to 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 older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and may carry a deductible.