You have lots of choices when attempting to insure your vehicle. You can either buy through your neighborhood insurance agent or shop online to compare rates from insurance providers. Comparing car insurance by comparing rates online is easy and at the same time you will probably save money.

Beginners to comparison shopping may think finding affordable 2001 insurance is going to be difficult. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The fastest way to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors impact ?

Insurance rates paid to insure a 2001 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 2001
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Special coverage such as replacement cost
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the costs to repair will push premiums down. But more recent vehicles may have options including a backup camera, dual-stage airbags, and an advanced theft deterrent system which may lower rates.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your from colliding with an object or car. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.