Comparing auto insurance from online rate quotes saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is getting rates from as many companies as possible so you can get the best prices.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to quoting online. Don't let that stop you because we're going to show you how. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This can be done by completing this short form.

Rates are determined by these factors

Insurance premiums for your 2001 can be significantly different and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2001
• Whether or not you have claims
• Having current coverage saves
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the costs to repair may end up costing you more. On the flip side, newer models have more advanced features like a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system that may help give discounted rates.

Liability insurance - This protects you from damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as large an amount as possible.

Collision coverages - This coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive protection - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist 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 liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage - Med pay and PIP coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy 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.