Comparing auto insurance on the web is simple to do and at the same time you may find lower rates. The critical component is getting rates from all providers in order to accurately compare every company's rates.

Using the web to shop for auto insurance direct is challenging if you have never used quoting online. But relax because we're going to show you how. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to compare quotes online with multiple companies. This can be done by getting a quick quote here.

What influences car insurance premiums?

Insurance premiums paid to insure a 2000 can be significantly different subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Better credit means lower rates
• Your location impacts rates
• Annual mileage can affect rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the payout to repair may end up costing you more. Conversely, more recent vehicles have more advanced features such as lane departure warning system, a telematics system, and a collision avoidance system that may help help offset higher rates.

Liability car insurance

2000 liability coverage will cover damages or injuries you inflict on a person or their property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Coverage for collisions

This coverage will pay to fix damage to your from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they are uninsured or don't have enough 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.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.