You have many choices when trying to insure your vehicle. You can get prices from an insurance agent or shop online to compare insurance costs of multiple companies. Finding cheaper auto insurance online is easy, in addition you may find lower rates.

Consumers who are new to the process of comparing rates may think purchasing cut-rate 2000 insurance is very challenging. Finding a lower price on 2000 insurance is not rocket science. You just have to take a little time to compare quotes from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance premiums for your 2000 can vary widely based upon several criteria. A few of these criteria are:

• The performance level of your 2000
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• 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. Models that are new have a higher actual cash value compared to older models so repair costs are higher which can inflate annual premiums. Conversely, newer vehicles have more advanced features such as sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can help offset higher rates.

Liability coverage

Liability insurance can cover injuries or damage you cause to other's property or people that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage

This covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance 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 payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not an option in every state and may carry a deductible.