Comparing auto insurance by comparing rates online saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to get as many rate quotes as possible so you can compare every option.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quoting. But don't let that discourage you because there is an easy way to compare rates. Finding a lower price on 2013 insurance can be quick and easy. You just have to take a little time comparing rates online from several insurance companies. This can be done by visiting this page.

What factors determine ?

Insurance rates for a 2013 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Your location impacts rates
• How many miles you drive
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• No claims lowers premiums
• Having current coverage saves
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. A newer vehicle have a higher value so the costs to repair may result in higher rates. On the flip side, newer models may have options like dual-stage airbags, a rollover prevention system, and lane departure warning system which may provide discounts that lower premiums.

Auto liability insurance

This protects you from damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This coverage pays for damage to your caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. 2013 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.