You have lots of choices when comparing insurance rates on your vehicle. You can buy direct from a local agent or go online to check prices from insurance carriers. Finding cheaper car insurance by getting online quotes can be fast and easy and at the same time you might just save a little.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to get quotes and find the best price. One of the best ways to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Auto insurance rates for a 2010 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2010 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Special coverage such as replacement cost
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may result in lower rates. Although more recent vehicles may have a trim level with safety features included like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may give discounted rates.

Liability - This coverage will cover damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverages - This will pay to fix damage to your caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 2010 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.