Finding cheaper auto insurance on the web is simple to do and at the same time you may find lower rates. The critical component is to take the time to get as many rate quotes as possible so you can get the lowest prices.

Finding the best direct price on auto insurance is challenging if you have never used online quotes. But don't let that discourage you because we're going to show you how. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes to compare quotes online with multiple companies. It is quite easy and can be accomplished by completing this short form.

What influences your insurance rates?

Insurance premiums for a 2011 can vary widely subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the payout to repair can inflate annual premiums. Conversely, new models have more advanced features such as pedestrian detection, active head restraints, and a backup camera which can give discounted rates.

Liability car insurance - 2011 liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision - This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2011 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.