There are many options when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or shop online to compare rates from lots of different providers. Finding cheaper auto insurance through online providers is easy and there is a good chance you will probably save money.

Consumers who are new to the process of shopping for insurance may think finding low-cost 2010 insurance is hard and time consuming. Cutting your is surprisingly easy. Drivers just need to take a couple of minutes comparing rates from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance rates on a 2010 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 2010
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your birth date
• Whether you are married
• Extra coverages like towing and rental
• No claims lowers premiums
• No coverage lapses saves money
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Newer models have a higher actual cash value so repair costs are higher which may result in higher rates. Conversely, newer vehicles may have options such as lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which may lower rates.

Liability auto insurance - Liability insurance can cover damage that occurs to people or other property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision - This covers damage to your resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2010 can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) - This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM 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 expense insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance program or if you do not have health coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.