You have many choices when shopping for insurance coverage for your vehicle. You can either buy through an insurance agent or get quotes online to compare pricing from many different companies. Finding cheaper auto insurance from online companies saves time, is easy to do, in addition you may find lower rates.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online rate quotes. But relax because we're going to show you how. Getting better is actually quite simple. Just take time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2000 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older models so the costs to repair will push premiums up. Conversely, new models have more advanced features such as autonomous braking, tire pressure monitors, and dual-stage airbags so those may provide discounts that lower premiums.

Liability coverage - This provides protection from injuries or damage you cause to a person or their property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Collision coverage - This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.