Buying car insurance by getting online quotes saves time, is easy to do, plus you might just save a little. The key to finding lower rates is getting rates from as many companies as possible in order to accurately compare the best prices.

Shopping online for car insurance can be difficult if you are a beginner to quoting online. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. One of the best ways to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by the following

Auto insurance rates for your 2000 can be significantly different and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Better credit means lower rates
• Male rates may be higher
• The deductible you choose
• Crash test rating for your 2000
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the payout to repair may end up costing you less. But newer vehicles may have a trim level with safety features including pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification that may help help offset higher rates.

Liability - This can cover damage or injury you incur to other's property or people in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as large an amount as possible.

Collision coverages - Collision insurance covers damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a 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 older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.