There are many options when trying to insure your vehicle. You can buy direct from a local agent or price shop online to compare insurance costs of many different companies. Comparing car insurance from online companies is simple to do and there is a good chance you might just save a little.

Using the web to shop for car insurance direct can be a challenge if you have never used online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The quickest method to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Auto insurance rates on a 2011 can fluctuate considerably subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the cost to replace them can decrease annual premiums. But newer models may have a trim level with safety features including lane departure warning system, dual-stage airbags, and sideview assist mirrors which may help offset higher rates.

Liability coverage

2011 liability coverage protects you from damage that occurs to people or other property. 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 consider buying as high a limit as you can afford.

Collision coverage

This coverage pays for 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 2011 can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not available in all states and may carry a deductible.