Buying car insurance on the web can be fast and easy and at the same time you might just save a little. The most important part is getting as many rate quotes as possible in order to accurately compare the lowest rate quotes.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. By far the easiest way to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence car insurance premiums?

Auto insurance rates for a 2011 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may result in lower rates. But newer models may have a trim level with safety features including a telematics system, blind-spot warning system, and sideview assist mirrors that may help help offset higher rates.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other people or property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision insurance

Collision insurance pays for damage to your caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in. 2011 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.