Finding cheaper car insurance through online rate quotes can be fast and easy and at the same time you will probably save money. The most important part is to compare rates from as many companies as possible so you can compare every company's rates.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The simplest method to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Insurance rates for your 2001 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• The size of your community
• High miles vs. low miles
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your profession
• The level of coverage
• 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. Models that are a few years old have a reduced actual cash value so the payout to repair may result in lower rates. Conversely, new models may have options such as a backup camera, lane departure warning system, and traction control so those may provide discounts that lower premiums.

Auto liability

This coverage provides protection from damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount 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.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.