Comparing car insurance through online providers is easy, plus you can save money. The key is getting rates from as many companies as possible in order to have every possible rate.

Beginners to buying insurance may think shopping for cut-rate 2011 insurance is hard and time consuming. There are several ways to get quotes from local car insurance companies. The best way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by...

Car insurance premiums for your 2011 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Your location impacts rates
• High miles vs. low miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 2011
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the payout to repair will push premiums down. On the flip side, more recent vehicles may have safety features like autonomous braking, tire pressure monitors, and lane departure warning system that may help lower rates.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage protection

This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states and gives slightly broader coverage than med pay.