You have lots of choices when looking for the best insurance on your vehicle. You can buy direct from a local agent or shop online to compare rates from a lot of car insurance companies. Comparing car insurance through online companies is easy and at the same time you might just save a little.

Beginners to comparison shopping may think finding affordable 2001 insurance is difficult. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The best way to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors impact ?

Auto insurance rates paid to insure a 2001 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 2001
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Young drivers cost more
• Whether you are married
• Special coverage such as replacement cost
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the costs to repair will push premiums down. But more recent vehicles may have a trim level with safety features including a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which may lower rates.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on a person or their property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your from colliding with an object or car. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.