You have lots of choices when attempting to insure your vehicle. You can get prices from an insurance agent or go online to compare rates from multiple companies. Buying auto insurance online can be fast and easy and at the same time you may find lower rates.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Which factors influence ?

Insurance premiums for your 2011 can fluctuate considerably depending on several factors. Taken into consideration are:

• Higher performance 2011 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the cost to replace them may result in higher rates. But more recent vehicles have more advanced features including lane departure warning system, traction control, and autonomous braking which may lower rates.

Liability coverage

This coverage will cover damages or injuries you inflict on other's property or people in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.