Shopping for auto insurance from online companies saves time, is easy to do, plus you will probably save money. The key to finding lower rates is to take the time to get rates from as many companies as possible in order to accurately compare every company's rates.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online quotes. Don't let that stop you because there is an easy way to compare rates. Getting lower is actually quite simple. The only thing you need to do is invest a little time comparing rates online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance rates influenced by these factors

Insurance rates for your 2000 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Where you reside can make a big difference
• High miles vs. low miles
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 2000
• No claims lowers premiums
• No coverage lapses saves money
• Home ownership saves money

One last important factor that will help determine the rate you pay on your is the year of manufacture. Models that are new have a higher replacement value so the costs to repair can inflate annual premiums. Conversely, newer models may have options such as autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which can help offset higher rates.

Liability coverage

This protects you from damage or injury you incur to other's property or people by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states and may carry a deductible.