You have lots of choices when buying insurance for your vehicle. You can buy from your neighborhood insurance agent or get quotes online to check prices from car insurance companies. Shopping for auto insurance from online rate quotes saves time, is easy to do and at the same time you will probably save money.

Comparing auto insurance rates direct online is challenging if you are a beginner to online rate quotes. But relax because there is an easy way to compare rates. Finding lower doesn't have to be difficult. You just have to spend a little time comparing rates online from several insurance companies. This is very easy and can be done by completing this short form.

What factors determine the rate you pay?

Insurance rates paid to insure a 2000 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so the costs to repair will push premiums up. Conversely, newer models may have options such as adaptive cruise control, anti-lock brakes, and active head restraints so those may give discounted rates.

Liability insurance - This protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as much as you can afford.

Collision coverage - Collision coverage pays for damage to your from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive protection - This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.