Finding cheaper auto insurance by quoting online can be fast and easy and at the same time you may find lower rates. The most important part is to take the time to get as many rate quotes as possible so you can compare the lowest priced insurance.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of auto insurance companies selling insurance. Getting better is a fairly straight forward process. Just take time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Which factors influence your insurance rates?

Insurance premiums for a 2001 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older models so the cost to replace them can inflate annual premiums. But new models have more advanced features including pedestrian detection, automatic crash notification, and tire pressure monitors which can provide discounts that lower premiums.

Liability coverages - This 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. Coverage is generally pretty cheap so buy 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 then your collision coverage will kick in. 2001 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, 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 pay for expenses 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 is not universally available but can be used in place of medical payments coverage.