Finding cheaper auto 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 get rates from as many companies as possible in order to have the lowest rate quotes.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Lowering your can be surprisingly simple. You just need to take a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

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

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 2000
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the cost to replace them may result in higher rates. Conversely, newer vehicles may have a trim level with safety features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which may lower rates.

Auto liability

This coverage can cover damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision insurance

This covers damage to your resulting from colliding with another car or object. A deductible applies 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. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays for 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 most you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.