Shopping for car insurance through online providers can be fast and easy, plus you might just save a little. The most important part is getting rates from all companies in order to have every possible rate.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The best way to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by these factors

Auto insurance rates on a 2001 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you reside can make a big difference
• The number of annual miles
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2001
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the cost to replace them may result in lower rates. Conversely, newer models may have a trim level with safety features such as autonomous braking, tire pressure monitors, and lane departure warning system that may help lower rates.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2001 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.