Shopping for car insurance by getting online quotes saves time, is easy to do, plus you can save money. The key to finding lower rates is to get as many rate quotes as possible so you can compare the lowest priced insurance.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quoting. But don't let that discourage you because it's actually quite easy. There are several ways to get quotes from different insurance companies. The best method to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by...

Car insurance premiums for a 2000 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 2000
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which may end up costing you less. Conversely, more recent vehicles may have safety features such as lane departure warning system, pedestrian detection, and tire pressure monitors which may provide discounts that lower premiums.

Liability - This will cover damage or injury you incur to other people or property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. 2000 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.