Finding cheaper car insurance by quoting online saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is getting as many rate quotes as possible so you can get all your choices.

Finding the best direct price on car insurance can be a challenge if you are a beginner to quoting online. But don't let that discourage you because it's actually quite easy. There are several ways to compare rate quotes from different insurance companies. The fastest way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Car insurance premiums for a 2014 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• The size of your community
• How many miles you drive
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2014
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so repair costs tend to be lower which may end up costing you less. Conversely, new models may have safety features such as adaptive headlights, anti-lock brakes, traction control, and a telematics system that may help give discounted rates.

Liability coverages

This provides protection from damage that occurs to other people or property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as large an amount as possible.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2014 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.