Comparing auto insurance through online rate quotes saves time, is easy to do, in addition you can save money. The key to finding lower rates is to compare rates from as many companies as possible so you can get the cheapest rate quotes.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online rate quotes. Don't let that stop you because it's actually quite easy. Finding lower can be surprisingly simple. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be done by completing this short form.

Criteria which help determine your insurance rates

Car insurance premiums for your 2000 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the costs to repair will push premiums up. Although more recent vehicles may have safety features included like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors so those may give discounted rates.

Auto liability - This will cover injuries or damage you cause to other's property or people. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.