Comparing car insurance through online providers is easy, in addition you might just save a little. The key is getting rates from all companies so you can get all possible prices.

Beginners to comparing rates may think shopping for low-cost 2011 insurance is hard and time consuming. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The easiest way by far to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on a 2011 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them will push premiums down. Conversely, newer models may have a trim level with safety features such as forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking that may help give discounted rates.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision protection

This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2011 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.