You have many choices when looking for the best insurance on your vehicle. You can get prices from a local agent or go online to check prices from insurance providers. Buying auto insurance by comparing rates online can be fast and easy, in addition you might just save a little.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies vying for your business. Reducing your can be quick and easy. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2014 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 2014 vehicles cost more
• Your accident history
• Multiple policies can save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Having current coverage saves
• Owning a home can lower rates

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the cost to replace them will push premiums up. On the flip side, more recent vehicles may have a trim level with safety features like a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors so those may give discounted rates.

Auto liability insurance

This coverage will cover injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.