Shopping for auto insurance online can be fast and easy, in addition you will probably save money. The most important part is getting as many rate quotes as possible in order to have the cheapest rate quotes.

If shopping for auto insurance online is new to you, you may be confused by the hoards of auto insurance companies competing for your business. Finding lower is not rocket science. You just have to spend a little time comparing rates provided by online insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance rates for a 2001 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so the cost to replace them may end up costing you more. But newer vehicles may have options including adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help lower rates.

Liability coverage - This coverage can cover injuries or damage you cause to other people or property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage - Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. 2001 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.