You have many choices when trying to insure your vehicle. You can either contact your neighborhood insurance agent or go online to check prices from insurance carriers. Finding cheaper car insurance by getting online quotes can be fast and easy, in addition you will probably save money.

If you are a novice to online car insurance shopping, you may be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The quickest method to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 2001 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 2001 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a much lower replacement value so the costs to repair may result in lower rates. But new models may have options including a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system that may help give discounted rates.

Liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.