Buying car insurance through online rate quotes can be fast and easy and at the same time you may find lower rates. The most important part is getting rates from as many companies as possible so you can compare the lowest priced insurance.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways to compare quotes from local car insurance companies. The best method to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence car insurance premiums?

Insurance premiums for your 2001 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the payout to repair may result in lower rates. On the flip side, newer models have more advanced features like an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors that may help provide discounts that lower premiums.

Auto liability - This coverage protects you from damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage - Collision insurance pays for damage to your resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when other motorists do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage - Med pay and PIP coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.