There are many options when comparing insurance rates on your vehicle. You can get prices from an agent or shop online to compare rates from insurance carriers. Comparing auto insurance by getting online quotes is easy and there is a good chance you can save money.

Beginners to shopping for insurance may think finding cheap 2000 insurance is nearly impossible. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be done by comparing rates here.

Car insurance premiums for a 2000 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 2000
• Accidents raise premiums
• Home and auto can earn discounts
• Use of your vehicle
• Extra coverages like towing and rental
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so repair costs are higher which may result in higher rates. But newer vehicles may have safety features including pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which may lower rates.

Liability - Liability insurance can cover damage that occurs to other people or property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverages - This coverage covers damage to your caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. 2000 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.