You have lots of choices when trying to find low-cost insurance for your vehicle. You can either contact an insurance agent or get quotes online to compare insurance costs of car insurance companies. Finding cheaper car insurance from online rate quotes saves time, is easy to do and at the same time you may find lower rates.

Finding the best direct price on car insurance is challenging if you are a beginner to online rate quotes. But relax because we're going to show you how. The are a couple different ways to get quotes and find the best price. The simplest method to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine the rate you pay?

Insurance premiums paid to insure a 2000 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your job
• Insurance coverage level
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the costs to repair may end up costing you less. Although more recent vehicles have more advanced features included like tire pressure monitors, anti-lock brakes, and forward-collision avoidance so those may help offset higher rates.

Liability insurance

This will cover damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Coverage for collisions

This will pay to fix damage to your from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive protection

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim 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.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP coverage is only offered in select states and may carry a deductible.