You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy direct from an insurance agent or price shop online to check prices from companies. Finding cheaper auto insurance by quoting online is simple to do and at the same time you may find lower rates.

Finding the best direct price on auto insurance is challenging if you have never used quoting online. But relax because we're going to show you how. Getting lower is a fairly straight forward process. The only thing you need to do is invest a little time to compare quotes online with multiple companies. It is quite easy and can be accomplished by completing this short form.

What influences car insurance premiums?

Insurance premiums paid to insure a 2010 can be significantly different subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the payout to repair may end up costing you more. But new models have more advanced features including tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights that may help give discounted rates.

Liability coverages

2010 liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. 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.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.