There are many options when attempting to insure your vehicle. You can get prices from a local agent or price shop online to compare insurance costs of multiple insurance companies. Finding cheaper auto insurance on the web is simple to do and there is a good chance you might just save a little.

Finding the best direct price on auto insurance can be a challenge if you have never used online rate quotes. But don't be discouraged because comparing prices is actually very simple. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes to get quotes online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Auto insurance rates on a 2011 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your birth date
• Being married may save money
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the payout to repair will push premiums up. But newer vehicles may have a trim level with safety features including automatic crash notification, anti-lock brakes, and a backup camera so those may help offset higher rates.

Liability car insurance

2011 liability coverage can cover damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Auto collision coverage

This covers damage to your resulting from a collision with another car or object. You have to pay a 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 vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.