You have many choices when attempting to insure your vehicle. You can get prices from an agent or get quotes online to check prices from multiple insurance companies. Finding cheaper car insurance on the web saves time, is easy to do, in addition you can save money.

Finding the best direct price on car insurance can be complicated if you are a beginner to online rate quotes. But relax because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The fastest way to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2001 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Your age
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the costs to repair may end up costing you less. Conversely, newer models may have safety features such as automatic crash notification, anti-lock brakes, and a backup camera so those may give discounted rates.

Liability car insurance

This protects you from injuries or damage you cause to a person or their property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Auto collision coverage

This pays for damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive car insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.