You have lots of choices when trying to insure your vehicle. You can either buy through a local agent or get quotes online to compare pricing from many different auto insurance companies. Shopping for auto insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little.

Comparing auto insurance rates direct online is challenging if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Finding a lower price on 2000 insurance can be surprisingly simple. You just have to take a little time to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

What factors determine car insurance premiums?

Auto insurance rates for a 2000 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• Use of your vehicle
• Your age
• Being married can lower rates
• Special coverage such as replacement cost
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the costs to repair may end up costing you more. Conversely, newer models may have a trim level with safety features such as lane departure warning system, a telematics system, and adaptive headlights that may help provide discounts that lower premiums.

Auto liability

This protects you from damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage

Collision coverage pays for damage to your caused by collision with an object or car. You first must 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 vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.