Comparing car insurance through online companies can be fast and easy and at the same time you will probably save money. The most important part is getting rates from all companies in order to accurately compare all possible prices.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to get quotes and find the best price. The easiest way by far to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence car insurance premiums?

Insurance rates on a 2001 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your profession
• Insurance coverage level
• 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 result in lower rates. Although more recent vehicles may have options included like active head restraints, traction control, and a rollover prevention system that may help help offset higher rates.

Coverage for liability

This coverage will cover 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. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision protection

This coverage will pay to fix damage to your resulting from a collision with an object or car. You first must 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 vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.