Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through an insurance agent or go online to check prices from a lot of car insurance companies. Comparing car insurance through online companies can be fast and easy, plus you may find lower rates.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways to get quotes from different insurance companies. By far the easiest way to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by...

Insurance premiums for your 2014 can be significantly different depending on several factors. Including but not limited to:

• Higher performance 2014 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the payout to repair may result in lower rates. Conversely, more recent vehicles have more advanced features such as a telematics system, a collision avoidance system, tire pressure monitors, and traction control that may help give discounted rates.

Coverage for liability

This coverage will cover damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.