Finding cheaper auto insurance by comparing rates online can be fast and easy, in addition you may find lower rates. The most important part is to compare rates from as many companies as possible in order to accurately compare the lowest priced insurance.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites selling insurance. Getting better can be quick and easy. Just take time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance premiums for your 2001 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Whether or not you have claims
• Having current coverage saves
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the cost to replace them will push premiums up. On the flip side, more recent vehicles have more advanced features like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights so those may help offset higher rates.

Auto liability insurance - This coverage will cover injuries or damage you cause to other's property or people that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage - This will pay to fix damage to your resulting from colliding 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 makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and may carry a deductible.