Buying auto insurance from online rate quotes saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to get as many rate quotes as possible in order to have all your choices.

Shopping online for auto insurance can be a challenge if you are a beginner to online quoting. But don't let that discourage you because we're going to show you how. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be accomplished by comparing rates here.

Insurance premiums for a 2000 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Where you live
• How many miles you drive
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 2000
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the costs to repair may result in higher rates. But newer models have more advanced features including forward-collision avoidance, adaptive cruise control, and lane departure warning system which may lower rates.

Liability insurance

This protects you from damage that occurs to other people or property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as high a limit as you can afford.

Auto collision coverage

Collision insurance pays for damage to your caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. 2000 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.