Buying car insurance on the web can be fast and easy, plus you might just save a little. The most important part is to take the time to get rates from all companies so you can compare every possible rate.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The best way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by these factors

Auto insurance rates on a 2010 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• The number of annual miles
• Your gender can raise or lower rates
• Higher deductibles save money
• Crash test rating for your 2010
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the cost to replace them may result in lower rates. But newer models may have a trim level with safety features including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which can provide discounts that lower premiums.

Liability car insurance

This coverage protects you from damage or injury you incur to people or other property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 2010 can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.