Comparing auto insurance online is simple to do and there is a good chance you may find lower rates. The critical component is to get rates from all providers so you can get all your choices.

Using the web to shop for auto insurance direct can be a challenge if you have never used online quoting. But relax because we're going to show you how. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes to compare quotes online with multiple companies. This can be done by completing this short form.

Insurance premiums paid to insure a 2000 can fluctuate considerably subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating impacts rates
• Your location impacts rates
• Annual mileage can affect rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2000
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the payout to repair may result in higher rates. But more recent vehicles have more advanced features including lane departure warning system, traction control, and autonomous braking which may give discounted rates.

Liability coverage

2000 liability coverage will cover damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.