You have many choices when insurance shopping for your vehicle. You can buy direct from an insurance agent or shop online to compare insurance costs of car insurance companies. Comparing car insurance from online rate quotes is easy, in addition you may find lower rates.

Beginners to comparing rates may think buying low-cost 2000 insurance is more work than they want to put in. The are a couple different ways to compare quotes from different insurance companies. The easiest way to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine insurance rates

Insurance premiums on a 2000 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 2000
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new models so the cost to replace them will push premiums down. Conversely, newer models have more advanced features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may help offset higher rates.

Liability insurance - Liability insurance protects you from injuries or damage you cause to people or other property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.

Collision - This coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2000 can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive protection - This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This coverage provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense coverage - Med pay and PIP coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not available in all states and may carry a deductible.