You have many choices when insurance shopping for your vehicle. You can get prices from your neighborhood insurance agent or shop online to check prices from a lot of car insurance companies. Buying car insurance through online companies is easy, in addition you will probably save money.

People who are new to comparing rates may think buying cheap 2001 insurance is difficult. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The easiest way to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine

Insurance rates for a 2001 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 2001
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Your age
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so repair costs tend to be lower which will push premiums down. But newer models may have options including a rollover prevention system, forward-collision avoidance, and dual-stage airbags so those may give discounted rates.

Coverage for liability - Liability insurance protects you from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision - Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. 2001 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Med pay and PIP coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.