Comparing auto insurance through online rate quotes can be fast and easy, plus you might just save a little. The most important part is to get rates from all providers so you can get every company's rates.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies vying for your business. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these factors

Auto insurance rates paid to insure a 2014 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your location impacts rates
• Annual mileage can affect rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2014
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them may result in higher rates. Conversely, newer models may have a trim level with safety features such as a backup camera, lane departure warning system, and traction control which may give discounted rates.

Auto liability

This coverage protects you from damage or injury you incur to a person or their property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Coverage for collisions

This coverage pays for damage to your from colliding with a stationary object or other vehicle. A deductible applies 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 bring the cost down.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.