Drivers have lots of options when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or price shop online to compare pricing from a lot of car insurance companies. Comparing car insurance through online companies is simple to do, plus you may find lower rates.

Using the web to shop for car insurance direct can be difficult if you have never used online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. One of the best ways to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by...

Insurance premiums on a 2014 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Young drivers cost more
• Being married can lower rates
• 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 cost to replace them can decrease annual premiums. Conversely, more recent vehicles have more advanced features such as anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may provide discounts that lower premiums.

Coverage for liability - 2014 liability coverage will cover damage or injury you incur to people or other property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision coverages - This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2014 can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.