Finding cheaper car insurance online can be fast and easy and at the same time you can save money. The most important part is getting rates from all providers in order to have the lowest priced insurance.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies offering insurance. There are several ways to compare rate quotes and find the best price. The best method to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Car insurance premiums paid to insure a 2000 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the costs to repair may result in lower rates. Although new models may have safety features included like adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection that may help lower rates.

Liability coverage - This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - This pays to fix your vehicle from damage from colliding with an object or car. 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. You can also raise the deductible in order to get cheaper .

Comprehensive coverage - This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.