Finding cheaper auto insurance through online companies can be fast and easy and at the same time you may find lower rates. The most important part is to take the time to get rates from all providers in order to accurately compare the lowest prices.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online companies selling insurance. Cutting your is not a difficult process. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Insurance premiums paid to insure a 2000 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the cost to replace them can inflate annual premiums. But new models have more advanced features including a rollover prevention system, forward-collision avoidance, and dual-stage airbags which can help offset higher rates.

Coverage for liability - This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Collision - This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.