Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can buy direct from an agent or get quotes online to compare rates from car insurance companies. Comparing car insurance from online rate quotes saves time, is easy to do, plus you can save money.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quotes. But relax because it's actually quite easy. There are several ways to compare rate quotes and find the best price. The simplest method to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by these things

Car insurance premiums paid to insure a 2000 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the costs to repair may end up costing you less. Although new models may have safety features included like tire pressure monitors, anti-lock brakes, and forward-collision avoidance which can lower rates.

Liability insurance

This provides protection from damage or injury you incur to a person or their property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive protection

This 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 maximum payout your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available and gives slightly broader coverage than med pay.