Comparing car insurance online can be fast and easy, in addition you might just save a little. The most important part is getting rates from all companies so you can get every company's rates.

If you've never shopped for car insurance online, you may be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The simplest method to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on 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 location impacts rates
• The number of annual miles
• Your gender can raise or lower rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them may result in lower rates. On the flip side, newer models may have a trim level with safety features like a telematics system, adaptive cruise control, and anti-lock brakes that may help give discounted rates.

Liability coverage

This coverage protects you from injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Coverage for collisions

This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must 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. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.