You have many choices when trying to find low-cost insurance for your vehicle. You can buy direct from an agent or shop online to compare insurance costs of multiple companies. Finding cheaper car insurance online is easy, in addition you can save money.

Consumers who are new to the process of comparing rates may think shopping for affordable 2000 insurance is very challenging. There are several ways to get quotes from car insurance companies in your area. The simplest method to find the cheapest is to perform an online rate comparison. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2000 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 2000
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the costs to repair will push premiums down. But more recent vehicles may have safety features including a telematics system, adaptive cruise control, and anti-lock brakes that may help help offset higher rates.

Liability coverage

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Coverage for collisions

This will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest 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 it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.