There are many options when attempting to insure your vehicle. You can buy direct from an insurance agent or get quotes online to check prices from insurance carriers. Comparing car insurance by getting online quotes saves time, is easy to do and there is a good chance you may find lower rates.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quotes. But relax because we're going to show you how. The are a couple different ways to compare quotes from local car insurance companies. The fastest way to find competitive involves getting comparison quotes online. This can be accomplished by completing this short form.

Insurance premiums paid to insure a 2000 can vary widely and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Extra coverages like towing and rental
• Your job
• Your coverage level
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the costs to repair may end up costing you less. On the flip side, newer models have more advanced features like traction control, tire pressure monitors, a collision avoidance system, and a telematics system which can give discounted rates.

Liability

This protects you from damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy higher limits if possible.

Auto collision coverage

This coverage pays for damage to your from colliding with another car or object. You will need to pay your 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. It's also possible to increase the deductible to get cheaper .

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.