You have many choices when attempting to insure your vehicle. You can either buy through an agent or price shop online to compare rates from many different auto insurance companies. Finding cheaper auto insurance through online rate quotes is simple to do, in addition you can save money.

Finding the best direct price on auto insurance can be complicated if you have never used online quoting. But don't let that discourage you because it's actually quite easy. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine

Car insurance premiums for a 2010 can fluctuate considerably subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Your birth date
• Whether you are married
• Optional coverages like vehicle replacement
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the payout to repair may result in higher rates. Conversely, newer vehicles may have safety features such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may lower rates.

Auto liability

2010 liability coverage can cover injuries or damage you cause to other people or property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Auto collision coverage

This covers damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. 2010 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.