Comparing car insurance online is easy and at the same time you can save money. The key is to compare rates from all providers so you can compare every possible rate.

Beginners to comparison shopping may think buying affordable 2010 insurance is very challenging. There are several ways of comparing rates from different insurance companies. The best way to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What factors impact the rate you pay?

Car insurance premiums paid to insure a 2010 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Your location impacts rates
• Annual mileage can affect rates
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the costs to repair will push premiums down. Conversely, newer vehicles may have safety features such as forward-collision avoidance, tire pressure monitors, and autonomous braking so those may provide discounts that lower premiums.

Liability coverage

Liability insurance can cover damages or injuries you inflict on a person or their property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage protection

This coverage covers damage to your from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.