Comparing auto insurance by getting online quotes is easy and at the same time you might just save a little. The key is getting rates from all companies in order to accurately compare the best prices.

Beginners to comparison shopping may think shopping for low-cost 2001 insurance is nearly impossible. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be done by getting a quick quote here.

What factors impact car insurance premiums?

Auto insurance rates on a 2001 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so repair costs are higher which may end up costing you more. On the flip side, more recent vehicles may have a trim level with safety features like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification that may help help offset higher rates.

Liability - Liability insurance will cover 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. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverages - This coverage will pay to fix damage to your resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2001 can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - This provides protection when other motorists are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is only offered in select states and may carry a deductible.