You have lots of choices when trying to insure your vehicle. You can get prices from an agent or get quotes online to compare rates from insurance providers. Shopping for auto insurance by comparing rates online saves time, is easy to do and at the same time you can save money.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quoting. But don't be discouraged because it's actually quite easy. Finding a lower price on 2001 insurance can be quick and easy. You just have to take a little time getting comparison quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

What factors determine ?

Car insurance premiums on a 2001 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the costs to repair may result in higher rates. But more recent vehicles may have safety features including dual-stage airbags, a rollover prevention system, and lane departure warning system which may lower rates.

Auto liability insurance

This will cover damages or injuries you inflict on people or other property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your resulting from a collision with an object or car. A deductible applies 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 older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance

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

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.