Buying car insurance through online rate quotes is simple to do and at the same time you can save money. The critical component is to get rates from all companies in order to have the lowest priced insurance.

Shopping online for car insurance is challenging if you have never used online quoting. But don't be discouraged because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The best method to compare is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

What influences ?

Car insurance premiums on a 2000 can fluctuate considerably subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the cost to replace them can decrease annual premiums. But more recent vehicles may have safety features including an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may lower rates.

Auto liability - 2000 liability coverage will cover damages or injuries you inflict on people or other property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2000 can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough 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 payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.