Comparing car 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 all providers in order to accurately compare every option.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The quickest method to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Auto insurance rates paid to insure a 2000 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your location impacts rates
• Annual mileage can affect rates
• Male drivers pay higher rates
• The deductible you choose
• Safety rating of your 2000
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the costs to repair may result in lower rates. But new models may have a trim level with safety features including lane departure warning system, a telematics system, and adaptive headlights which may help offset higher rates.

Auto liability

This coverage provides protection from damage that occurs to a person or their property. 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 coverage

This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers 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 your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.