Comparing car insurance through online providers is easy and at the same time you might just save a little. The key is to take the time to get rates from as many companies as possible so you can get every company's rates.

Beginners to comparison shopping may think purchasing cut-rate 2001 insurance is hard and time consuming. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The simplest method to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact your insurance rates?

Auto insurance rates for your 2001 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Your location impacts rates
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the payout to repair will push premiums down. Conversely, more recent vehicles may have a trim level with safety features such as tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control which can give discounted rates.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from 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 maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense insurance

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