Shopping for auto insurance online saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to take the time to get rates from all providers in order to have the cheapest rate quotes.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online quotes. But relax because we're going to show you how. Finding lower is not rocket science. You just have to spend a little time to compare quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by these factors

Insurance premiums paid to insure a 2001 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2001
• Whether or not you have claims
• Having current coverage saves
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the costs to repair can inflate annual premiums. On the flip side, newer models have more advanced features like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which can lower rates.

Liability coverage - This protects you from damage or injury you incur to a person or their property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Collision coverage - Collision coverage pays for damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive coverage - This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and gives slightly broader coverage than med pay.