Finding cheaper auto insurance by quoting online can be fast and easy, in addition you might just save a little. The most important part is to compare rates from all providers in order to accurately compare the lowest prices.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online companies vying for your business. Cutting your is a fairly straight forward process. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2001 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the cost to replace them will push premiums up. But newer models may have a trim level with safety features including all-wheel drive, a rollover prevention system, and adaptive headlights so those may help offset higher rates.

Liability coverages - This coverage protects you from injuries or damage you cause to a person or their property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision - This pays for damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverages - This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This coverage provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.