Comparing auto insurance through online providers saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is getting rates from all companies in order to have the lowest priced insurance.

Using the web to shop for auto insurance direct is challenging if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. Getting better is surprisingly easy. Just take time to get quotes online from several insurance companies. This can be done by comparing rates here.

What factors determine car insurance premiums?

Auto insurance rates on a 2000 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that can impact is the model year. Newer models have a higher value in comparison to later models so the costs to repair may end up costing you more. But new models may have a trim level with safety features including all-wheel drive, a telematics system, and autonomous braking that may help lower rates.

Liability auto insurance - This provides protection from damages or injuries you inflict on people or other property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. 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. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. 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.

Medical expense insurance - Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.