Comparing auto insurance online can be fast and easy, plus you may find lower rates. The most important part is to compare rates from as many companies as possible so you can get all your choices.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these factors

Insurance premiums for your 2000 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• High miles vs. low miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2000
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the cost to replace them will push premiums up. Although newer models have more advanced features included like lane departure warning system, traction control, and autonomous braking so those may give discounted rates.

Liability coverage

This coverage protects you from damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Auto collision coverage

This coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible 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 lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.