Comparing auto insurance online is easy and at the same time you can save money. The key is to take the time to get as many rate quotes as possible so you can compare all your choices.

Beginners to comparison shopping may think purchasing cheap 2011 insurance is very challenging. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This can be done by visiting this page.

What factors impact your insurance rates?

Car insurance premiums for a 2011 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Your location impacts rates
• How many miles you drive
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• Your claim history
• Having current coverage saves
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so repair costs are higher which can inflate annual premiums. On the flip side, more recent vehicles may have safety features like lane departure warning system, traction control, and autonomous braking which can provide discounts that lower premiums.

Liability coverage

Liability insurance will cover damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy higher limits if possible.

Auto collision coverage

This coverage will pay to fix damage to your caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. 2011 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states but can be used in place of medical payments coverage.