Finding cheaper car insurance from online companies can be fast and easy and at the same time you will probably save money. The most important part is getting rates from all providers so you can get every possible rate.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The best way to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence car insurance premiums?

Insurance rates paid to insure a 2000 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• The size of your community
• Annual mileage can affect rates
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a reduced actual cash value so the costs to repair may result in lower rates. Conversely, more recent vehicles may have options such as forward-collision avoidance, automatic crash notification, and tire pressure monitors that may help give discounted rates.

Liability coverage

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.