Shopping for auto insurance by getting online quotes saves time, is easy to do, in addition you can save money. The key to finding lower rates is to compare as many rate quotes as possible in order to accurately compare the lowest prices.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. Cutting your can be relatively painless. Drivers just need to take a couple of minutes getting comparison quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Car insurance premiums for a 2001 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the costs to repair will push premiums up. Conversely, more recent vehicles may have safety features such as a telematics system, all-wheel drive, and adaptive headlights so those may help offset higher rates.

Liability - This will cover injuries or damage you cause to other people or property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Collision - Collision coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2001 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states and may carry a deductible.