Buying auto insurance from online rate quotes is easy, in addition you will probably save money. The key is to compare rates from all companies so you can compare all possible prices.

People who are new to comparing rates may think buying low-cost 2000 insurance is more work than they want to put in. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time comparing rates from different insurance companies. This can be accomplished by visiting this page.

Criteria which help determine insurance rates

Insurance rates on a 2000 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. A newer vehicle cost more so repair costs are higher which will push premiums up. But more recent vehicles may have options including active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors so those may provide discounts that lower premiums.

Liability insurance

Liability insurance will cover injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2000 can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.