Comparing auto insurance by quoting online saves time, is easy to do, plus you can save money. The key to finding lower rates is getting as many rate quotes as possible in order to have every possible rate.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to quoting online. But don't let that discourage you because it's actually quite easy. Reducing your is a fairly straight forward process. All that's required is to spend a few minutes on the computer getting comparison quotes online from several insurance companies. This can be done by comparing rates here.

Rates are determined by these factors

Car insurance premiums for a 2000 can be significantly different and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Better credit means lower rates
• Your location impacts rates
• How many miles you drive
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2000
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the costs to repair may end up costing you more. But newer models may have safety features including dual-stage airbags, sideview assist mirrors, and active head restraints that may help lower rates.

Liability coverages

This protects you from damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2000 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount 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.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.