You have lots of choices when attempting to insure your vehicle. You can get prices from an agent or price shop online to check prices 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 quotes. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The fastest way to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What influences your insurance rates?

Car insurance premiums on a 2011 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your occupation
• The level of coverage
• 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 cost to replace them can decrease annual premiums. Conversely, newer vehicles may have safety features such as a backup camera, dual-stage airbags, and an advanced theft deterrent system which can give discounted rates.

Auto liability insurance

2011 liability coverage can cover damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Auto collision coverage

This covers damage to your resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2011 can be pricey, so consider removing coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive insurance

This coverage pays to fix your vehicle from 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 maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.