You have many choices when comparing insurance rates on your vehicle. You can either buy through an insurance agent or price shop online to check prices from insurance carriers. Finding cheaper auto insurance by getting online quotes is simple to do, in addition you may find lower rates.

Finding the best direct price on auto insurance can be complicated if you have never used quoting online. Don't let that stop you because we're going to show you how. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to compare quotes online with multiple companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine your insurance rates

Insurance premiums for your 2001 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Having current coverage saves
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the payout to repair may end up costing you more. On the flip side, new models have more advanced features like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification that may help give discounted rates.

Liability - 2001 liability coverage provides protection from injuries or damage you cause to other's property or people that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverages - This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.