You have many choices when comparing insurance rates on your vehicle. You can either contact an agent or go online to check prices from car insurance companies. Buying auto insurance from online rate quotes can be fast and easy, in addition you can save money.

If you're new to shopping for auto insurance online, you may be confused by the hoards of companies offering insurance. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by completing this short form.

Criteria which help determine insurance rates

Car insurance premiums on 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
• Multiple policies can save money
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the cost to replace them can inflate annual premiums. Although new models may have safety features included like a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system which can give discounted rates.

Liability insurance - This coverage provides protection from injuries or damage you cause to people or other property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverages - Collision insurance pays to fix your vehicle from damage resulting from a 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. Collision coverage for your 2001 can be pricey, so you might think about dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive protection - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical expense coverage - Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.