Comparing car insurance by getting online quotes is easy, plus you will probably save money. The key is to take the time to get rates from all companies so you can compare the lowest priced insurance.

Beginners to buying insurance may think purchasing low-cost 2001 insurance is nearly impossible. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The best method to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by the following

Insurance rates on a 2001 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 2001
• Your profession
• The level of coverage
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so the cost to replace them will push premiums down. Conversely, newer vehicles may have options such as lane departure warning system, pedestrian detection, and tire pressure monitors which can provide discounts that lower premiums.

Liability - Liability insurance can cover damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage - This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2001 can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.