Drivers have lots of options when insurance shopping for your vehicle. You can either contact a local agent or price shop online to compare insurance costs of many different car insurance companies. Buying car insurance through online rate quotes is simple to do, plus you might just save a little.

Shopping online for car insurance can be difficult if you have never used quoting online. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The easiest way to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by these factors

Auto insurance rates for a 2001 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Multiple policies can save money
• Use of your vehicle
• Your age
• Being married may save money
• Add-on coverages such as rental reimbursement
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so repair costs tend to be lower which can decrease annual premiums. Although newer models may have a trim level with safety features included like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help help offset higher rates.

Auto liability - 2001 liability coverage protects you from damage or injury you incur to other people or property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision - Collision insurance pays for damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. 2001 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive auto coverage - Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage - Med pay and PIP coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not available in all states and may carry a deductible.