You have lots of choices when attempting to insure your vehicle. You can buy direct from an insurance agent or shop online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes is easy and at the same time you may find lower rates.

Consumers who are new to the process of comparison shopping may think shopping for cheap 2010 insurance is going to be difficult. The are a couple different ways to compare quotes from different insurance companies. The fastest way to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What factors impact car insurance premiums?

Insurance premiums for a 2010 can be significantly different based upon several criteria. Taken into consideration are:

• The performance level of your 2010
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Your age
• Whether you are married
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so repair costs tend to be lower which will push premiums down. Conversely, newer models have more advanced features such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights that may help lower rates.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as large an amount as possible.

Auto collision coverage

This pays for damage to your caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. 2010 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.