Drivers have lots of options when trying to insure your vehicle. You can either contact an insurance agent or shop online to compare rates from car insurance companies. Finding cheaper auto insurance from online rate quotes is easy, plus you may find lower rates.

Consumers who are new to the process of buying insurance may think finding low-cost 2010 insurance is more work than they want to put in. Finding a lower price on 2010 insurance doesn't have to be difficult. You just have to take a little time to compare quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by the following

Insurance premiums on a 2010 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 2010
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older models so repair costs are higher which may result in higher rates. But newer vehicles have more advanced features including adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system which may lower rates.

Liability insurance

Liability insurance can cover damage or injury you incur to people or other property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage

This covers damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2010 can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The most your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" 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. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.