You have lots of choices when attempting to insure your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to check prices from many different car insurance companies. Comparing car insurance through online rate quotes saves time, is easy to do and at the same time you will probably save money.

Using the web to shop for car insurance direct is challenging if you are a beginner to quoting online. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The fastest way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine car insurance premiums?

Insurance rates on a 2001 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the cost to replace them may end up costing you less. Conversely, newer models may have options such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights that may help give discounted rates.

Auto liability

This protects you from damages or injuries you inflict on people or other property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2001 can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.