You have lots of choices when buying insurance for your vehicle. You can buy from an insurance agent or go online to compare pricing from companies. Comparing auto insurance by quoting online can be fast and easy and at the same time you may find lower rates.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of companies selling insurance. Finding lower is a fairly straight forward process. You just have to spend a little time to compare quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence car insurance premiums?

Insurance premiums on a 2001 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2001 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older models so the cost to replace them may end up costing you more. But new models have more advanced features including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control that may help provide discounts that lower premiums.

Liability coverages - This coverage provides protection from damages or injuries you inflict on people or other property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2001 can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages - This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.