You have many choices when shopping for car insurance for your vehicle. You can buy from a local agent or go online to check prices from insurance carriers. Comparing car insurance by getting online quotes can be fast and easy, in addition you might just save a little.

If you've never shopped for car insurance online, you may be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. By far the easiest way to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine

Auto insurance rates for a 2001 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 2001 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Optional coverages like vehicle replacement
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so repair costs tend to be lower which may result in lower rates. But newer vehicles may have a trim level with safety features including adaptive headlights, blind-spot warning system, and a rollover prevention system which can give discounted rates.

Liability

This coverage can cover injuries or damage you cause to other people or property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision insurance

This coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. 2001 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.