You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy direct from a local agent or go online to compare insurance costs of many different companies. Buying auto insurance from online companies can be fast and easy and at the same time you might just save a little.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of online companies vying for your business. Getting lower is actually quite simple. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Which factors influence car insurance premiums?

Auto insurance rates paid to insure a 2010 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2010 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the cost to replace them may end up costing you more. On the flip side, new models may have a trim level with safety features like autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help help offset higher rates.

Liability coverage

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and may carry a deductible.