You have lots of choices when buying insurance for your vehicle. You can get prices from an agent or get quotes online to check prices from multiple insurance companies. Shopping for car insurance on the web saves time, is easy to do and at the same time you can save money.

Comparing car insurance rates direct online is challenging if you are a beginner to online quoting. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from local car insurance companies. The recommended way to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

What factors determine ?

Car insurance premiums on a 2001 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your birth date
• Having a spouse can save money
• Special coverage such as replacement cost
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the cost to replace them may end up costing you less. On the flip side, newer vehicles may have safety features like tire pressure monitors, active head restraints, and pedestrian detection which may give discounted rates.

Liability car insurance - This can cover damages or injuries you inflict on people or other property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage - Collision coverage covers damage to your resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 2001 can be pricey, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive car insurance - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses - Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.