Finding cheaper 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 as many rate quotes as possible so you can get all possible prices.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online rate quotes. But don't let that discourage 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. It is quite easy and can be accomplished by completing this short form.

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

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2000
• Whether or not you have claims
• No coverage lapses saves money
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the costs to repair will push premiums up. Conversely, newer vehicles have more advanced features such as adaptive cruise control, lane departure warning system, and pedestrian detection so those may give discounted rates.

Auto liability insurance

This can cover damage that occurs to other people or property that is your fault. 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 covers damage to your caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2000 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from 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 the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.