There are many options when buying insurance for your vehicle. You can either buy through an insurance agent or go online to compare rates from multiple insurance companies. Buying car insurance on the web can be fast and easy and there is a good chance you may find lower rates.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of companies selling insurance. The are a couple different ways of comparing rates from different insurance companies. The recommended way to compare is to get quotes online. This can be accomplished by comparing rates here.

Insurance premiums on a 2011 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 2011 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Your birth date
• Whether you are married
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so the cost to replace them may result in lower rates. Conversely, newer vehicles have more advanced features such as tire pressure monitors, active head restraints, and pedestrian detection which may lower rates.

Liability car insurance - This coverage can cover damage that occurs to people or other property in an accident. 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 buy as high a limit as you can afford.

Collision coverage - Collision insurance covers damage to your resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage for your 2011 can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive car insurance - This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The most you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist 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 many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses - Coverage for medical payments and/or PIP pay for short-term medical expenses 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. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.