Comparing auto insurance by comparing rates online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to compare rates from as many companies as possible in order to have all possible prices.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. Finding cheaper coverage prices can be quick and easy. All you need to do is take the time to compare quotes online from several insurance companies. This can be done by comparing rates here.

Insurance premiums for your 2000 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Safety rating of your 2000
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the costs to repair will push premiums up. Although more recent vehicles have more advanced features included like adaptive cruise control, lane departure warning system, and pedestrian detection so those may lower rates.

Auto liability insurance

This will cover damage that occurs to other's property or people. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision protection

This coverage will pay to fix damage to your resulting from colliding with another car or object. 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 lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

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

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often 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 and gives slightly broader coverage than med pay.