Buying auto insurance through online companies can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from all providers in order to accurately compare every company's rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online companies vying for your business. Getting lower is not a difficult process. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Auto insurance rates paid to insure a 2001 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you live
• Annual mileage can affect rates
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2001
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the cost to replace them may result in higher rates. But newer models may have a trim level with safety features including adaptive cruise control, autonomous braking, and lane departure warning system which may help offset higher rates.

Coverage for liability

This coverage protects you from damage that occurs to a person or their property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance pays for damage to your from colliding with another car or object. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.