Buying car insurance online can be fast and easy, plus you might just save a little. The most important part is to compare rates from all companies so you can compare all your choices.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The fastest way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by these factors

Auto insurance rates on a 2000 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Where you live
• The number of annual miles
• Your gender can raise or lower rates
• Higher deductibles save money
• Crash test rating for your 2000
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the cost to replace them may result in lower rates. Although newer models may have a trim level with safety features included like lane departure warning system, traction control, and autonomous braking so those may provide discounts that lower premiums.

Liability coverage

This coverage protects you from damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2000 can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.