Drivers have lots of options when comparing insurance rates on your vehicle. You can buy direct from a local agent or shop online to check prices from a lot of auto insurance companies. Finding cheaper auto insurance through online companies is easy, plus you might just save a little.

Consumers who are new to the process of buying insurance may think purchasing cheap 2010 insurance is difficult. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by...

Auto insurance rates for a 2010 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 2010
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so repair costs are higher which can inflate annual premiums. But more recent vehicles may have a trim level with safety features including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which can give discounted rates.

Coverage for liability - Liability insurance will cover damage or injury you incur to other people or property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverages - This will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. 2010 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. 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. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.