Comparing car insurance through online rate quotes saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is getting as many rate quotes as possible in order to accurately compare the lowest priced insurance.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to quoting online. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. The best method to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Insurance premiums for a 2000 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2000
• Your job
• The level of coverage
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so repair costs tend to be lower which may end up costing you less. Conversely, newer models have more advanced features such as an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors that may help help offset higher rates.

Auto liability - This protects you from damage that occurs to other people or property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Collision coverage - This coverage pays for damage to your caused by collision with another car or object. You first must 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. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states and may carry a deductible.