Buying auto insurance by comparing rates online can be fast and easy and there is a good chance you can save money. The most important part is to compare rates from all companies in order to accurately compare the lowest rate quotes.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of companies offering insurance. Lowering your can be quick and easy. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Car insurance premiums on a 2001 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• Male drivers pay higher rates
• The deductible you choose
• Safety rating of your 2001
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so the cost to replace them will push premiums up. On the flip side, new models may have safety features like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system so those may help offset higher rates.

Auto liability insurance

This coverage provides protection from damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2001 can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Since many 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 is very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not universally available and may carry a deductible.