You have lots of choices when trying to find low-cost insurance for your vehicle. You can get prices from your neighborhood insurance agent or go online to compare rates from multiple companies. Buying car insurance online can be fast and easy and at the same time you will probably save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes and find the best price. The simplest method to compare is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence the rate you pay?

Insurance rates on a 2011 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2011 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your profession
• Insurance coverage level
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so the cost to replace them may result in lower rates. Although newer models may have options included like a telematics system, adaptive cruise control, and anti-lock brakes so those may lower rates.

Liability coverage

This coverage protects you from damages or injuries you inflict on people or other property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Coverage for collisions

Collision insurance pays for damage to your resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2011 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper .

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.