You have lots of choices when attempting to insure your vehicle. You can buy direct from an agent or go online to check prices from many different companies. Buying auto insurance from online companies can be fast and easy and at the same time you can save money.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of auto insurance companies offering insurance. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by completing this short form.

Which factors influence ?

Car insurance premiums for a 2001 can fluctuate considerably depending on several factors. Taken into consideration are:

• Higher performance 2001 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• Use of your vehicle
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the cost to replace them may result in higher rates. But newer vehicles may have safety features including an advanced theft deterrent system, all-wheel drive, and traction control which may give discounted rates.

Liability coverage

This coverage can cover damages or injuries you inflict on other people or property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your caused by collision with an object or car. A deductible applies then your collision coverage will kick in. 2001 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.