You have many choices when trying to find low-cost insurance for your vehicle. You can buy from an insurance agent or shop online to compare pricing from many different car insurance companies. Shopping for car insurance through online rate quotes is easy, in addition you may find lower rates.

Consumers not familiar with comparing rates may think buying low-cost 2013 insurance is going to be difficult. The are a couple different ways to get quotes from car insurance companies in your area. The simplest method to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Insurance premiums on a 2013 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 2013
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Young drivers cost more
• Being married can lower rates
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new models so the cost to replace them will push premiums down. But more recent vehicles have more advanced features including a backup camera, lane departure warning system, and traction control so those may provide discounts that lower premiums.

Auto liability

Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2013 can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.