Buying auto insurance online can be fast and easy, plus you can save money. The most important part is getting rates from all companies in order to have the lowest priced insurance.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of companies offering insurance. Getting better is not rocket science. Just take time getting comparison quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by...

Car insurance premiums on a 2000 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 2000
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the cost to replace them may end up costing you more. Conversely, more recent vehicles may have safety features such as adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection that may help lower rates.

Liability coverage - This coverage will cover damage or injury you incur to people or other property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - Collision insurance will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. 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 older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage - This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.