Buying auto insurance from online rate quotes saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to compare rates from all providers in order to have every company's rates.

Shopping online for auto insurance can be a challenge if you are a beginner to online rate quotes. But relax because it's actually quite easy. Getting lower doesn't have to be difficult. The only thing you need to do is invest a little time getting comparison quotes online from several insurance companies. This can be accomplished by comparing rates here.

Car insurance premiums paid to insure a 2000 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Where you live
• Annual mileage can affect rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 2000
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the costs to repair will push premiums up. On the flip side, newer vehicles may have safety features like tire pressure monitors, anti-lock brakes, and forward-collision avoidance so those may lower rates.

Liability insurance

This can cover damage that occurs to a person or their property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as much as you can afford.

Coverage for collisions

Collision insurance covers damage to your from colliding with another car or object. 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 older vehicles. You can also raise the deductible to get cheaper .

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.