Drivers have lots of options when comparing insurance rates on your vehicle. You can either buy through an agent or go online to check prices from multiple insurance companies. Buying car insurance on the web can be fast and easy, plus you can save money.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of online companies offering insurance. There are several ways of comparing rates from different insurance companies. One of the best ways to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by the following

Car insurance premiums paid to insure a 2001 can be significantly different depending on several factors. Including but not limited to:

• Higher performance 2001 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Your birth date
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so the costs to repair may result in lower rates. Conversely, newer vehicles may have safety features such as a telematics system, lane departure warning system, and tire pressure monitors that may help give discounted rates.

Liability car insurance - This coverage can cover damage or injury you incur to a person or their property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverages - Collision insurance covers damage to your from colliding with a stationary object or other vehicle. 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 older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive car insurance - This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical expenses - Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.