Shopping for car insurance through online rate quotes can be fast and easy, plus you might just save a little. The most important part is to compare rates from as many companies as possible so you can get all possible prices.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The easiest way by far to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by these factors

Auto insurance rates for your 2001 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2001
• What you do for a living
• The amount of protection requested
• 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 payout to repair may result in lower rates. But newer models may have a trim level with safety features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system so those may give discounted rates.

Auto liability

This coverage protects you from damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision protection

Collision coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. 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 older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.