Drivers have lots of options when finding cheaper insurance coverage on your vehicle. You can either buy through an insurance agent or price shop online to compare insurance costs of many different car insurance companies. Comparing car insurance through online rate quotes is simple to do, plus you may find lower rates.

Using the web to shop for car insurance direct can be difficult if you have never used online quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by these things

Insurance premiums for a 2001 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Mature drivers pay less
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so repair costs tend to be lower which can decrease annual premiums. But new models have more advanced features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which can help offset higher rates.

Auto liability

2001 liability coverage provides protection from damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2001 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.