Buying car insurance through online rate quotes can be fast and easy and there is a good chance you might just save a little. The most important part is to take the time to get rates from as many companies as possible so you can get the lowest prices.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The easiest way to find competitive is to get quotes online. This can be accomplished by completing this short form.

Auto insurance rates for your 2000 can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Safety rating of your 2000
  • What you do for a living
  • Insurance coverage level
  • Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the payout to repair may result in lower rates. Although newer models may have a trim level with safety features included like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags which can give discounted rates.

Auto liability - This coverage protects you from damage that occurs to other's property or people in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision - Collision insurance pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage - Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.