Comparing car insurance through online rate quotes is simple to do, in addition you can save money. The critical component is to compare as many rate quotes as possible in order to have the lowest prices.

Using the web to shop for car insurance direct can be complicated if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. The easiest way to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 2001 will vary greatly subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Your credit history
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer models may have safety features like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may lower rates.

Auto liability - 2001 liability coverage protects you from injuries or damage you cause to other people or property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision - This coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2001 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.