You have lots of choices when buying insurance for your vehicle. You can either contact an agent or price shop online to compare rates from insurance providers. Finding cheaper car insurance by comparing rates online is simple to do and at the same time you can save money.

Finding the best direct price on car insurance is challenging if you have never used online quoting. But relax because it's actually quite easy. There are several ways to get quotes and find the best price. The recommended way to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What influences ?

Car insurance premiums paid to insure a 2011 can fluctuate considerably subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the costs to repair can decrease annual premiums. Although more recent vehicles may have safety features included like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may lower rates.

Auto liability insurance - 2011 liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive insurance - This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

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