Drivers have lots of options when looking for the best insurance on your vehicle. You can either buy through a local agent or get quotes online to compare pricing from multiple companies. Comparing car insurance online saves time, is easy to do, plus you might just save a little.

Using the web to shop for car insurance direct can be difficult if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The best way to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by...

Auto insurance rates on a 2011 can be significantly different and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• What you do for a living
• Your coverage level
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the cost to replace them may end up costing you less. On the flip side, more recent vehicles may have a trim level with safety features like forward-collision avoidance, tire pressure monitors, and autonomous braking that may help provide discounts that lower premiums.

Liability coverage

This will cover damage or injury you incur to people or other property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage protection

This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2011 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.