There are many options when shopping for car insurance for your vehicle. You can either buy through an agent or get quotes online to check prices from many different companies. Shopping for car insurance from online companies saves time, is easy to do and there is a good chance you can save money.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. By far the easiest way to find competitive consists of shopping online. This can be accomplished by completing this short form.

Car insurance premiums for a 2000 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Extra coverages like towing and rental
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so repair costs tend to be lower which may end up costing you less. But newer vehicles may have safety features including active head restraints, adaptive headlights, a backup camera, and tire pressure monitors so those may give discounted rates.

Liability coverage

This can cover damage that occurs to other people or property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as much as you can afford.

Collision insurance

Collision coverage covers damage to your caused by collision with another car or object. You have to pay a 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 save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.