You have many choices when buying insurance for your vehicle. You can buy direct from an agent or go online to compare insurance costs of many different auto insurance companies. Finding cheaper auto insurance through online rate quotes can be fast and easy, in addition you can save money.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online companies offering insurance. Finding lower can be surprisingly simple. You just have to spend a little time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2001 can fluctuate considerably depending on several factors. A few of these criteria are:

• Higher performance 2001 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• How you use your vehicle
• Mature drivers pay less
• Being married may save money
• Optional coverages like vehicle replacement
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are new have a higher actual cash value than older models so the cost to replace them may result in higher rates. On the flip side, new models may have safety features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which may help offset higher rates.

Auto liability - This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage - This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. 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. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive auto coverage - This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when other motorists either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not universally available and may carry a deductible.