Drivers have lots of options when buying insurance for your vehicle. You can get prices from an agent or shop online to compare pricing from many different companies. Shopping for car insurance from online companies is easy, plus you can save money.

Consumers not familiar with buying insurance may think buying cheap 2011 insurance can be quite difficult. There are several ways to compare quotes from different insurance companies. The recommended way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by these factors

Car insurance premiums for a 2011 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your 2011
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which will push premiums down. Conversely, newer models may have safety features such as lane departure warning system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Liability coverage - Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - Collision coverage pays for damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. 2011 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states but can be used in place of medical payments coverage.