You have lots of choices when looking for the best insurance on your vehicle. You can buy from your neighborhood insurance agent or get quotes online to check prices from car insurance companies. Shopping for auto insurance from online rate quotes saves time, is easy to do and at the same time you will probably save money.

Comparing auto insurance rates direct online is challenging if you are a beginner to online rate quotes. Don't let that stop you because there is an easy way to compare rates. Reducing your doesn't have to be difficult. All that's required is to spend a few minutes on the computer comparing rates online from several insurance companies. This is very easy and can be done by completing this short form.

What factors determine the rate you pay?

Insurance rates for your 2001 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so the costs to repair will push premiums up. Conversely, more recent vehicles may have options such as an advanced theft deterrent system, forward-collision avoidance, and a backup camera so those may give discounted rates.

Liability insurance

This will cover damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your resulting from colliding with an object or car. 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. 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. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.