You have lots of choices when buying insurance for your vehicle. You can buy direct from an insurance agent or get quotes online to compare pricing from insurance providers. Finding cheaper auto insurance by comparing rates online saves time, is easy to do and at the same time you may find lower rates.

Finding the best direct price on auto insurance is challenging if you are a beginner to online quoting. But relax because we're going to show you how. Finding lower can be quick and easy. You just have to spend a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

What factors determine ?

Insurance premiums paid to insure a 2001 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older models so the costs to repair may result in higher rates. On the flip side, more recent vehicles have more advanced features like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may provide discounts that lower premiums.

Auto liability insurance - This will cover damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive insurance - This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. 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 kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.