There are many options when shopping for car insurance for your vehicle. You can buy from an insurance agent or get quotes online to compare rates from companies. Shopping for car insurance by quoting online saves time, is easy to do and there is a good chance you may find lower rates.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways of comparing rates from different insurance companies. By far the easiest way to compare consists of shopping online. This can be accomplished by comparing rates here.

Insurance premiums for a 2001 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks cost less compared to new models so repair costs tend to be lower which may end up costing you less. Conversely, newer vehicles have more advanced features such as lane departure warning system, anti-lock brakes, and adaptive headlights so those may lower rates.

Liability coverages

This can cover damage that occurs to other people or property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision insurance

Collision coverage covers damage to your caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2001 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.