Finding cheaper auto insurance by comparing rates online can be fast and easy, in addition you will probably save money. The most important part is to get rates from all companies in order to have the lowest rate quotes.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of companies competing for your business. Lowering your can be quick and easy. You just need to take a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine insurance rates

Insurance rates on a 2000 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. Newer models have a higher actual cash value so the cost to replace them may result in higher rates. Although more recent vehicles may have options included like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which may lower rates.

Auto liability insurance

This coverage will cover injuries or damage you cause to people or other property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision insurance

This will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies 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 8 years or older. You can also choose a higher deductible in order to get cheaper .

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.