You have many choices when finding cheaper insurance coverage on your vehicle. You can get prices from a local agent or get quotes online to check prices from a lot of car insurance companies. Comparing car insurance through online companies saves time, is easy to do, in addition you might just save a little.

Using the web to shop for car insurance direct can be complicated if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way by far to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on a 2001 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your age
• Having a spouse can save money
• Optional coverages like vehicle replacement
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them may end up costing you less. On the flip side, newer models may have a trim level with safety features like active head restraints, traction control, and a rollover prevention system which may give discounted rates.

Coverage for liability

This protects you from injuries or damage you cause to people or other property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as high a limit as you can afford.

Collision protection

This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. 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 vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Med pay and PIP coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance program or if you lack health insurance entirely. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.