Drivers have lots of options when trying to insure your vehicle. You can either contact an agent or go online to check prices from many different car insurance companies. Shopping for car insurance through online rate quotes can be fast and easy, plus you can save money.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to get quotes from car insurance companies in your area. The quickest method to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by...

Car insurance premiums for a 2001 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 2001 vehicles cost more
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which may result in lower rates. But more recent vehicles may have safety features including lane departure warning system, a telematics system, and adaptive headlights which may give discounted rates.

Auto liability

This coverage will cover damage or injury you incur to other people or property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. 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 auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Due to the fact that 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 important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.