You have lots of choices when insurance shopping for your vehicle. You can either buy through an agent or go online to compare rates from many different companies. Buying auto insurance from online companies can be fast and easy and at the same time you can save money.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of online companies offering insurance. Cutting your is actually quite simple. Drivers just need to take a couple of minutes getting comparison quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Which factors influence ?

Car insurance premiums paid to insure a 2011 can fluctuate considerably depending on several factors. Taken into consideration are:

• Higher performance 2011 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the cost to replace them may result in higher rates. Conversely, new models may have safety features such as anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which may lower rates.

Liability coverage - This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision - Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage - This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.