There are many options when comparing insurance rates on your vehicle. You can buy direct from a local agent or shop online to compare rates from many different companies. Finding cheaper auto insurance from online companies is easy and there is a good chance you might just save a little.

Consumers who are new to the process of shopping for insurance may think finding cheap 2011 insurance can be quite difficult. Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Auto insurance rates for a 2011 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 2011
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• 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. Newer models have a higher actual cash value in comparison to later models so repair costs are higher which may result in higher rates. But new models may have a trim level with safety features including autonomous braking, dual-stage airbags, and sideview assist mirrors which may lower rates.

Liability coverage - Liability insurance provides protection from damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverages - This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. 2011 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.