There are many options when shopping for insurance coverage for your vehicle. You can either contact an insurance agent or get quotes online to check prices from many different companies. Shopping for auto insurance from online companies saves time, is easy to do and there is a good chance you may find lower rates.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. Getting better is actually quite simple. Just take time to compare quotes online from several insurance companies. This is very easy and can be done by completing this short form.

Insurance premiums for your 2001 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the costs to repair will push premiums up. On the flip side, newer vehicles have more advanced features like autonomous braking, tire pressure monitors, and dual-stage airbags so those may give discounted rates.

Liability coverage - This can cover damage that occurs to other's property or people by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision coverage covers damage to your resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a 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 - Your UM/UIM coverage 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, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance plan 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.