Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through an insurance agent or price shop online to compare rates from multiple companies. Shopping for car insurance online is simple to do, plus you may find lower rates.

Comparing car insurance rates direct online can be difficult if you have never used quoting online. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from local car insurance companies. By far the easiest way to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by...

Insurance premiums for your 2001 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• Your coverage level
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the payout to repair can decrease annual premiums. On the flip side, more recent vehicles have more advanced features like pedestrian detection, dual-stage airbags, and blind-spot warning system that may help lower rates.

Liability coverage

2001 liability coverage will cover damage or injury you incur to other's property or people by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision insurance

Collision coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.