Shopping for auto insurance from online companies saves time, is easy to do, in addition you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can get every option.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. Finding a lower price on 2000 insurance is actually quite simple. You just have to take a little time getting comparison quotes online from several insurance companies. This is very easy and can be done by completing this short form.

Criteria which help determine

Car insurance premiums for a 2000 can vary widely and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating
• Where you reside can make a big difference
• How many miles you drive
• Male drivers pay higher rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the costs to repair can inflate annual premiums. Conversely, new models may have safety features such as lane departure warning system, dual-stage airbags, and sideview assist mirrors which can give discounted rates.

Liability coverage

This provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy higher limits if possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2000 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from 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 maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills such as ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.