Shopping for auto insurance online is simple to do and there is a good chance you will probably save money. The critical component is to get rates from all companies in order to have every option.

Comparing auto insurance rates direct online can be a challenge if you have never used online quoting. But don't be discouraged because there is an easy way to compare rates. Finding a lower price on 2010 insurance is not rocket science. You just have to take a little time comparing rates online with multiple companies. This is very easy and can be done by comparing rates here.

Insurance rates on a 2010 can fluctuate considerably subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating impacts rates
• Where you reside can make a big difference
• The number of annual miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Safety rating of your 2010
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so the payout to repair may result in higher rates. But more recent vehicles may have options including sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which may lower rates.

Liability coverage

2010 liability coverage will cover damage that occurs to people or other property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2010 can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.