You have many choices when buying insurance for your vehicle. You can either buy through a local agent or go online to check prices from a lot of car insurance companies. Buying car insurance through online companies can be fast and easy, in addition you might just save a little.

If you're new to shopping for car insurance online, you may be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The recommended way to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on a 2001 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 2001 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Your birth date
• Having a spouse can save money
• Optional coverages like vehicle replacement
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the cost to replace them may result in lower rates. Although newer vehicles may have a trim level with safety features included like adaptive cruise control, pedestrian detection, and lane departure warning system so those may give discounted rates.

Coverage for liability - This coverage can cover injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage - Collision insurance covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to 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 vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum 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 it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments - Coverage for medical payments and/or PIP pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.