Comparing car insurance from online rate quotes saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is getting rates from all companies in order to accurately compare every possible rate.

Using the web to shop for car insurance direct can be complicated if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The best way to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine insurance rates

Auto insurance rates on a 2000 can be significantly different and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Better credit means lower rates
• Your location impacts rates
• The number of annual miles
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them may end up costing you less. Conversely, newer models may have a trim level with safety features such as an advanced theft deterrent system, forward-collision avoidance, and a backup camera that may help help offset higher rates.

Liability insurance

This protects you from injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2000 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not available in all states and may carry a deductible.