You have lots of choices when buying insurance for your vehicle. You can buy from your neighborhood insurance agent or price shop online to compare pricing from companies. Finding cheaper auto insurance by quoting online is simple to do and at the same time you will probably save money.

Finding the best direct price on auto insurance is challenging if you have never used online quotes. But don't let that discourage you because there is an easy way to compare rates. Finding lower is a fairly straight forward process. You just have to spend a little time comparing rates online with multiple companies. It is quite easy and can be accomplished by visiting this page.

What influences your insurance rates?

Insurance rates for a 2001 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Special coverage such as replacement cost
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. A newer vehicle have a higher actual cash value so the payout to repair can inflate annual premiums. But new models may have options including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can provide discounts that lower premiums.

Liability coverages - 2001 liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2001 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.