Comparing car insurance through online rate quotes is easy, in addition you might just save a little. The key is to compare as many rate quotes as possible so you can get all possible prices.

Beginners to comparing rates may think buying cheap 2014 insurance is going to be difficult. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine

Auto insurance rates for a 2014 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Male drivers pay higher rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so repair costs tend to be lower which will push premiums down. But new models may have a trim level with safety features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system so those may give discounted rates.

Auto liability

Liability insurance provides protection from injuries or damage you cause to other people or property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. 2014 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.