Finding cheaper auto insurance from online companies can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from all providers so you can get the cheapest rate quotes.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online companies vying for your business. Finding lower is actually quite simple. You just have to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates paid to insure a 2011 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2011
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the cost to replace them may result in higher rates. Although more recent vehicles may have a trim level with safety features included like lane departure warning system, dual-stage airbags, and pedestrian detection which may give discounted rates.

Liability coverage - This coverage will cover damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your from colliding with another car or object. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.