Finding cheaper auto insurance through online companies can be fast and easy and there is a good chance you might just save a little. The most important part is getting as many rate quotes as possible so you can get the cheapest rate quotes.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Finding lower is not a difficult process. You just have to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates for a 2010 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2010
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the cost to replace them may end up costing you more. But newer vehicles may have a trim level with safety features including adaptive cruise control, pedestrian detection, and lane departure warning system that may help give discounted rates.

Coverage for liability - This coverage can cover damage that occurs to other people or property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This covers damage to your caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. 2010 collision insurance is rather expensive coverage, so you might think about 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 OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments - Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.