You have lots of choices when looking for the best insurance on your vehicle. You can either buy through an agent or go online to compare rates from a lot of auto insurance companies. Shopping for auto insurance through online companies can be fast and easy and at the same time you can save money.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of online auto insurance companies and websites offering insurance. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Which factors influence car insurance premiums?

Car insurance premiums for your 2014 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2014 vehicles cost more
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Whether you are married
• Special coverage such as replacement cost
• Your claim history
• Having continuous coverage saves you money
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the cost to replace them may end up costing you more. Although more recent vehicles may have safety features included like a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control that may help lower rates.

Coverage for liability

This coverage will cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your resulting from colliding with an object or car. 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 older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.