Drivers have lots of options when comparing insurance rates on your vehicle. You can buy from a local agent or price shop online to compare rates from multiple insurance companies. Shopping for auto insurance on the web is simple to do, plus you might just save a little.

Comparing auto insurance rates direct online can be difficult if you have never used quoting online. But don't be discouraged because comparing prices is actually very simple. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by these factors

Auto insurance rates on a 2001 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your age
• Whether you are married
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having continuous coverage saves you money
• Home ownership saves money

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair may end up costing you more. Although newer models may have a trim level with safety features included like a telematics system, lane departure warning system, and tire pressure monitors that may help lower rates.

Liability car insurance - 2001 liability coverage protects you from damage or injury you incur to people or other property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverages - Collision coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2001 can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive auto insurance - This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Med pay and PIP coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.