Finding cheaper car insurance through online rate quotes saves time, is easy to do, in addition you can save money. The key to finding lower rates is getting rates from all companies so you can compare the cheapest rate quotes.

Finding the best direct price on car insurance can be complicated if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. There are several ways to get quotes from local car insurance companies. The recommended way to find the lowest is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Car insurance premiums on a 2000 can be significantly different and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Better credit means lower rates
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the cost to replace them may end up costing you less. On the flip side, more recent vehicles may have safety features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors that may help provide discounts that lower premiums.

Auto liability - This will cover injuries or damage you cause to people or other property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage - This will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2000 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive auto coverage - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.