Drivers have lots of options when looking for the best insurance on your vehicle. You can buy from an insurance agent or get quotes online to compare insurance costs of many different car insurance companies. Comparing car insurance through online rate quotes saves time, is easy to do, plus you may find lower rates.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways of comparing rates from car insurance companies in your area. The best way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by the following

Insurance premiums for a 2010 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Your birth date
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so repair costs tend to be lower which may end up costing you less. But newer vehicles have more advanced features including tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes which can help offset higher rates.

Auto liability

This can cover damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Collision coverage protection

This coverage covers damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2010 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.