Buying car insurance through online companies is simple to do and there is a good chance you might just save a little. The critical component is to take the time to get rates from as many companies as possible in order to have every company's rates.

Shopping online for car insurance can be a challenge if you have never used online quotes. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The simplest method to compare is to get quotes online. This can be accomplished by comparing rates here.

Auto insurance rates for your 2000 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Where you live
• High miles vs. low miles
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Safety rating of your 2000
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the payout to repair can decrease annual premiums. But new models may have a trim level with safety features including adaptive cruise control, autonomous braking, and lane departure warning system which can lower rates.

Coverage for liability

2000 liability coverage provides protection from damage that occurs to other's property or people in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.