Finding cheaper auto insurance online can be fast and easy, in addition you can save money. The most important part is getting rates from all providers in order to have the cheapest rate quotes.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online companies offering insurance. Finding lower is not rocket science. You just have to spend a little time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2000 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the cost to replace them may end up costing you more. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help lower rates.

Liability coverage - This coverage protects you from injuries or damage you cause to a person or their property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - This pays for damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage - This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount 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 consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.