You have lots of choices when attempting to insure your vehicle. You can either contact a local agent or price shop online to compare insurance costs of many different auto insurance companies. Comparing auto insurance through online rate quotes is simple to do and at the same time you might just save a little.

Using the web to shop for auto insurance direct is challenging if you have never used online quotes. Don't let that stop you because comparing prices is actually very simple. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to get quotes online with multiple companies. This can be done by getting a quick quote here.

What influences your insurance rates?

Auto insurance rates for your 2011 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Your age
• Being married may save money
• Special coverage such as replacement cost
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the payout to repair can inflate annual premiums. Conversely, newer models may have a trim level with safety features such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can help offset higher rates.

Auto liability

2011 liability coverage protects you from damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Auto collision coverage

This coverage pays for damage to your resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and may carry a deductible.