Comparing car insurance through online rate quotes can be fast and easy, plus you can save money. The most important part is getting rates from all providers so you can get the lowest prices.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online companies offering insurance. There are several ways of comparing rates from car insurance companies in your area. The easiest way to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by the following

Car insurance premiums paid to insure a 2000 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 2000
• Your occupation
• The amount of protection requested
• 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 result in lower rates. But newer vehicles may have safety features including an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help give discounted rates.

Auto liability - This coverage can cover damage or injury you incur to a person or their property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision - This coverage covers damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.