Buying car insurance on the web can be fast and easy, plus you might just save a little. The most important part is to take the time to get rates from as many companies as possible so you can compare every option.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The quickest method to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by the following

Auto insurance rates for your 2001 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• High miles vs. low miles
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 2001
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the payout to repair may result in lower rates. Conversely, newer vehicles may have a trim level with safety features such as adaptive cruise control, sideview assist mirrors, and tire pressure monitors which can provide discounts that lower premiums.

Liability car insurance

This coverage can cover damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage

Collision insurance covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.