You have many choices when shopping for car insurance for your vehicle. You can either contact an insurance agent or shop online to check prices from a lot of auto insurance companies. Shopping for auto insurance through online companies is easy, in addition you may find lower rates.

Consumers not familiar with comparing rates may think purchasing cut-rate 2000 insurance is difficult. Lowering your is not a difficult process. You just need to take a few minutes to compare quotes from different insurance companies. This is very easy and can be done by completing this short form.

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
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Having a spouse can save money
  • 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 that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so repair costs are higher which can inflate annual premiums. Conversely, more recent vehicles have more advanced features such as a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can give discounted rates.

Coverage for liability

Liability insurance will cover injuries or damage you cause to other's property or people by causing an accident. 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 insurance

Collision coverage will pay to fix 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. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from 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 the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.