Buying auto insurance through online companies saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare the cheapest rate quotes.

Shopping online for auto insurance can be complicated if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Finding lower is not a difficult process. You just have to spend a little time to get quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine

Auto insurance rates for a 2000 can vary widely and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the costs to repair can inflate annual premiums. But more recent vehicles may have a trim level with safety features including adaptive cruise control, pedestrian detection, and lane departure warning system which can help offset higher rates.

Coverage for liability - This will cover injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying higher limits if possible.

Collision coverage - Collision insurance will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your 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 vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.